I'm at 435 too. But here's the worst part, I recieved ITA last year and applied for PR, but they rejected coz they did not like my POF letter from ICICI. I showed my funds in FD and they were not convinced. Doesn't make sense at all, but I was not sad at that time coz the score were dropping at that time and I thought I'll get another ITA in no time. But no, I've been in the pool since December and it doesn't seem to drop to 435 at all and now I'm sad. Seems like I'm not the only one and everyone has their own story.