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As of September first 2005, all Americans became able to request and obtain a

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

free credit report from each credit bureau once each year. Checking your cre

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

it report regularly is vital to ensure accuracy and protect against possible

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

identity theft. The sooner you check your credit report, the more time you wi

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

l have to dispute inaccuracies and improve your credit information. This is i

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

portant because the information contained in your credit report is used to de

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

termine your credit score which in turn is used by financial institutions to

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

alculate the rates you will pay on loans, by insurance companies to figure th

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

amount you will pay on your policies as well by employers to decide if you w

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

ill make a good employee when applying for a job.

A credit score is a three

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

igit number based on information contained in your credit report as it compar

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

s to millions of other people. This system brings your entire credit history

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

to account into one objective number. This number is more or less a statistic

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

l prediction of how likely you are to either default or pay your bills on tim

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

in the future. We all need to check our credit reports from each of the thr

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

ee major credit reporting agencies (Experian, Equifax, and Trans Union). This

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

means that we must go through the process three separate times.

Spreading ou

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

requests out over a 12 month time period, is a good way to keep a constant e

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ye on accuracy. Remember, we are all eligible for one free credit report from

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

each agency each and every year, so be diligent and keep a close eye on yours

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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