Hi, we have received a DM without receiving any Medical Request. It also states to wait for the VO to contact us regarding the result of the DM. Is this a bad sign? Also, will a bad credit rating affect our application and what if I closed 1 of the bank accounts that I have declared, is this a ground for rejection even if I still have sufficient funds in my other accts? Please help coz we're getting kinda worried. thank you so much.