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The FCRA determines who may gain access to your credit report. Creditors (Lenders), Insurance companies, employers along with othe

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

r business that use information contained in your credit report to evaluate applications for credit, employment, insurance, or hom

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

Examples of combination products may in

rental are among those that have the legal rights to access your credit reports. Your employer can only get a copy of your credit

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

report if you agree. The consumer reporting companies may not under law disclose any information from your credit report to 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

mployer or prospective employer unless they first obtain written permission to do so from you.

You can obtain a FREE Credit Repor

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

Combination pro

t from Equifax, Experian, and Trans Union by completing and mailing the Annual Credit Report Request Form to: Annual Credit Report

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

Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. This form can be printed from www.ftc.gov/credit There is also a toll fr

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

ee telephone number to call to request a copy of your free credit report: 1-877-322-8228. You will need to provide the following i

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

formation to get your free credit reports: Your Social Security number, your name and address including your previous address if y

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

ou have moved in the past two years, your date of birth, as well as some other information that only you would know such as the am

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

unt of your monthly mortgage payment.

If you request a copy of your free credit report online, you will be able to obtain it righ

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

Following aspects would a

away. If you call in or mail your request with the Annual Credit Report Request Form, your request will be processed and mailed t

dd to the challenges in developing combination products:

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

o you within 15 business days after its receipt. This time period may take longer if the nationwide consumer reporting company nee

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

s more information to confirm your identity. If there happens to be an abnormally high volume of requests for free credit reports

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

at the time you request yours, you will be notified that your report will be mailed to you sometime after 15 days of receipt.

To

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

urchase a copy of your credit report, you may call the consumer reporting companies direct with the following telephone numbers:

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

Professional from academic institutions, pharmaceutical industries, health care indust

Equifax: 1-800-685-1111 Experian: 1-888-EXPERIAN (1-888-397-3742) Trans Union: 1-800-916-8800

The cost to buy a copy of your cred

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

t report is generally $9.50 or less for each agency.

Each nationwide consumer reporting company gets information from different s

.

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

ources so the information contained in any one report may not be the same. The information may not reflect all of your credit info

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

Companies that provide selfless information through particip

so requesting a free copy of your credit report from all three major agencies is the best way to get the full story of your credit

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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