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  1. S

    Credit card balance

    Thanks again for your reply. I'm confused - I thought in the previous posts you were saying they are not interested in net worth? Also, the post you quoted (apologies if I am being awkward, I understand I'm probably missing something obvious!): “I've just spoken to IRCC on the phone as I've...
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    Credit card balance

    Thanks for this. I have some debt currently (4K) and I am considering getting a loan to cover this, and will be paid back over 2 years. At the same time, I would save just over 1k a month until I reach POF in my savings account, with no CC debt. If I do this, will the loan I used to clear my...
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    Credit card balance

    Hi there, Many thanks for your posts here. I'm not sure if I have this correctly. Say over a 6 month period, I start paying for everything (food, bills etc) on a credit card and run it up from 0 balance to 4k balance. Also during this period, I earn 2.5k a month and every month I put into my...
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    WES ECA

    Hi there, I am looking to apply for the FSW programme. I am going to have my education assessed by WES. With regards to my assessment recipients, WES state: 'Immigration, Refugees and Citizenship Canada (IRCC), formerly Citizenship and Immigration Canada (CIC) is added by default. This is a...
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    FSW Express Entry - Proof of Funds

    Thank you. Would you say it is therefore better to wait until I have the funds before applying?
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    FSW Express Entry - Proof of Funds

    I see. The thing is, if I apply say next month, and I get an ITA in September, I will only have 90 days to apply and I may not have the funds within that timeframe. Is there some feature within my profile that allows me to update my funds as they progress? Which essentially means that I...
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    FSW Express Entry - Proof of Funds

    Hi there, I intended to apply for a PR visa through the FSW programme. On the CRS, from my calculations I will score 444 points at this moment in time, which is higher than some of the thresholds recently for an Invitation to Apply. I have not started the application process in any manner. I...