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After bankruptcy, credit repair may be the first thing on your mind. While your eagerness and optimism are important as you start the process of bank

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

ruptcy credit repair, beware of those who will take advantage of people in your situation.

You have probably seen advertisement of companies offerin

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

Examples of combination products may in

g bankruptcy credit repair services. These companies offer quick and easy ways to clean your credit report; delete your bankruptcy record or create y

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

ou a new identity. Before you get excited about these incredible offers, you should know the following:

* You can repair your credit report on your

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

own. Repairing your credit report means updating your information and making sure everything is accurate. You don’t need to pay anyone to do this. Al

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

Combination pro

l you have to do is to get a copy of your credit report from the 3 main credit-reporting companies. Then, if you find any error you can directly cont

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

act the credit-reporting agency involved to file your dispute. Within a certain period of time, any information that you claim to be an error will

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

be removed if the agency fails to verify otherwise.

* Bankruptcy will remain in your credit report for 10 years, if you filed for Chapter 7 or 7 yea

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

rs, if you filed for Chapter 13. Until the set period is over, there is nothing you or anyone can do to delete that information.

* Creating a new id

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

entity to conceal your bankruptcy is against the law. Usually, bankruptcy credit repair scams like this involve applying for an Employer Identificati

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

n Number (EIN) that you will use in your credit application instead of your social security number. These companies will proudly claim they are offer

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

Following aspects would a

ing legitimate services but nothing can be farther from the truth. Providing false statements in a credit or loan application is a federal crime so i

dd to the challenges in developing combination products:

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

s obtaining an EIN with fraudulent intent.

Avoid bankruptcy credit repair scams with common sense. Check with the Better Business Bureau before you

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

start doing business with any bankruptcy credit repair company. Never pay a company in advance for a service not yet rendered. The company should pro

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

vide you a written contract and inform you of your legal rights.

There are no quick fixes when it comes to bankruptcy credit repair. Some may need t

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

he help of a professional. Most often, you can do it by yourself with simple yet effective steps such paying bills promptly. Either way bankruptcy cr

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

Professional from academic institutions, pharmaceutical industries, health care indust

edit repair requires time and a steady commitment on your part.

There are reputable financial institutions that are willing to help you restore your

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

credit. Shop around, compare your options and be patient in your search. However, do not make the mistake of submitting your applications to all the

.

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

credit card companies you are considering just to find out what their terms are.

You can get information on the general terms of bankruptcy credit

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

Companies that provide selfless information through particip

by simply inquiring with the different companies. Note that too many credit applications and credit checks will lower your credit score significantly

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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