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Here are the top 7 questions we hear from consumers about credit reports and credit scores...

1. Will closing paid off credit card accounts improve my credit score?

This will surprise

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

many of you, but closing paid off credit card accounts can actually hurt your score in two ways. In “Your Credit Score”, Liz Pulliam Weston explains:

A. Closing accounts can make your credit h

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

Examples of combination products may in

story look younger than it is. Your credit score factors in the age of your oldest account and the average age of all your accounts. So closing accounts, particularly older accounts can ding you

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

r score.

B. Closing accounts reduces the total credit available to you, making your debt utilization ratio soar. Remember that the FICO formula measures the gap between the credit you use and y

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

ur total credit limits. The wider the gap, the better. If you suddenly lower that limit by shutting down accounts, the gap narrows – and that’s a bad thing.

2. What’s the best way to deal wi

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

Combination pro

th a collection agency when you don’t have the money to pay them?

The Federal Fair Debt Collection Practices Act clearly states that you do not have to deal with credit or debt collectors.

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

You can stop collectors from calling and writing with a “cease and desist” letter. This is short for “cease communication”. Once this letter is received by your collector, they will no longer be

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

able to legally contact you by phone, at work, by fax, by certified mail, by nothing.

Of course, to improve your credit score, you will ultimately want to get the debt removed from your credit

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

report by either getting the collector to agree to delete the item when you pay in full or by getting the credit bureau to delete the item.

3. Is there a limit to how many items I can disput

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

e on my credit report?

Technically, no. But keep in mind that if you try and dispute 7, 10, or more items on your credit report at one time, you may not be taken seriously and the credit b

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

reaus may respond telling you that your request is “frivolous and irrelevant.”

I recommend disputing no more than five or six items at a time.

4. Is a 20 point increase in 72 hours possible

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

Following aspects would a

?

There are literally hundreds of “credit repair” outfits promising to drastically repair credit scores in as little as 24 – 72 hours. Is it a scam? Believe it or not, this is not a scam.

dd to the challenges in developing combination products:

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

apid rescoring services can and do help consumers up their credit scores rapidly. But, it may not be as easy as you think. Here’s what I mean:

Rapid re-rescoring agencies do not and cannot deal

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

directly with consumers. They work with lending institutions. So you can’t contact them directly to work on your behalf if you’re a consumer.

Rapid re-rescoring agencies cannot and do not simp

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

y “remove” negative items. That is, they can’t magically erase legitimately negative items. If, however, you have proof of an error, a rapid re-rescoring agency can quickly get the item deleted.

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

Such proof might include a letter from a creditor explaining that your debt is paid or was never yours.

Rapid re-rescoring agencies cannot delete any items that are in dispute. If you already

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

Professional from academic institutions, pharmaceutical industries, health care indust

ave an item in dispute with one or all of the major credit bureaus, rapid re-scoring agencies cannot delete the item(s).

5. What is fastest way to improve my credit score?

Pay your bil

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

ls on time. Delinquent payments and collections can have a major negative impact on your score.

6. Where can I get my credit reports and credit scores?

I get my scores from www.suzeorm

.

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

n.com. I like using Suze's site because with a few clicks of the mouse you can get all 3 reports (from the major bureaus) and your FICO score, plus a kit to help you improve your scores.

7.

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

Companies that provide selfless information through particip

Is personal informaiton included on my credit report?

Personal information such as your race, color, religion, national origin, sex and marital status is NOT included on your credit report

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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