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That is what I intend on doing and will be applying at the end of this month after payday as there will be sufficient money using this calculation by then. Paying off all debts would take perhaps another 4-6 months by which time CRS score may go up or they may change any number of rules which...

I suspect that IRCC deal with secured debts such as home or car loans differently. If you are moving abroad it is generally expected that you would sell those assets and be able to pay back the debt. If you defaulted on that debt then you would lose your assets rather than potentially face legal...

If you have a qualifying job offer from Canada then you are exempt from providing Proof of Funds. The fact is, however, that right now you don't have a job in Canada. It may be your intent to reside in Canada in the future, but as soon as you have PR you can go straight there and Canada wants to...

Ask the bank for a letter declaring how long the account has been open. If they refuse to do this then you have the opportunity to write a Letter of Explanation to IRCC showing that you have made efforts and that you haven't been able to do this. Your funds are sufficient for immigration...

If your current credit card debt is more than your bank balance (which for a single person means > $12,300) then you really ought to consider the effect that will have on you when you actually land in Canada. Moving abroad isn't cheap and the minimums required by IRCC are very conservative -...

I have answered this question on the other thread you started. Please don't keep posting the question in multiple places - people here are friendly and will answer your question if they know the answer! No need to double post :)...

From IRCC Website (emphasis mine): Proof of Funds Purpose To confirm whether the applicant meets the low-income cut-off (LICO), assessed by the amount of money they hold compared to the number of people in their family Document requirements The applicant should provide an official letter(s)...

You might as well give full disclosure... They will know anyway as you have to give them your full history when you submit your e-APR.

You won't be able to claim for any time working on your own thesis - that would come under being a student rather than work experience. I can only comment on my partner's experience - he worked as a TA/RA during his 3 year PhD and has a letter from his head of department stating that he did a...

This is not true. As long as you didn't gain this experience whilst in Canada on a study visa and are applying under FSW, you can safely claim paid work experience gained whilst doing your PhD. You will need a reference letter from your university telling IRCC how many hours each week you...

You need a minimum of 12 months work experience to be eligible. You can't apply as soon as you have 1,560 hours worth of experience - The requirement is 12 months, which must be made up of a minimum of 1,560 hours.

All applications are different, but generally this means that your application has been found to be admissible under the program which you applied (FSW/CEC/FST/PNP etc) - they may be still running through certain checks such as background/medical etc, but generally speaking it seems that most...

I have asked this question before in respect of my own situation having funds outstanding on credit cards - technically not a loan, but still my credit card debt is a fair proportion of my immigration savings. The answer that I have received is that IRCC is absolutely not interested in your "net...

Hi all, I'm hoping someone on here can help with a definitive answer in the subject of debts and POF. I've done some searching and have not seen any definitive answer to my question, certainly not a link to Canadian immigration policy... My partner and I are preparing to submit our EOI. We...

You're right, but that was posted in 2015 :P

Obviously PNP is another route that people can look into, but if people just want to go through Express Entry and don't want the hassle (and the expense in cases such as OINP) I think they'll be fine with 450+ in 6 months. In fact, I can see scores coming down much more quickly than that, but it...

The changes are definitely beneficial to those with CRS above 450. There seem, to me, to have been two major goals that CIC wanted to achieve when making these changes. Firstly, they wanted to make international students more competitive. Secondly, they wanted to put a bigger emphasis on human...

It's funny. CICguy has become somewhat of a celebrity here on CanadaVisa since his predictions... I can just imagine him coming on here to smugly say "I told you all so and you didn't believe me! Also I HAVE A NAME! And it's NOT CICGUY!" :P

I'd be extremely surprised if you got an ITA in the next draw. I think that the strong likelihood is that there are more international students sitting around the 440-460 range than there are LMIA holders who will be displaced as a result of losing 550 points. My bet is that there will be a...

You make a similar point to the one I made in another thread when talking about the numbers in the current EE pool and its composition: The bottom line for me is that, taking into account the changes that have been introduced and the fact that since the pre-EE backlog has been reducing, ITAs...