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Anyone who wishes to apply for a credit card, mortgage loan, car loan or debt consolidation loan needs to be familiar with his/her credit report an

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

d the information contained inside. So, just what is included in a credit report? The answer is an entire listing of an individual’s payment hist

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

Examples of combination products may in

ory for the past 7 years, current debt load and any public record information, such as judgements, bankruptcy and/or foreclosures. These factors,

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

along with a debt to income ratio, combine to create a FICO score. This is a number that potential lenders use to calculate the interest rate that

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

will be paid during the life of the loan, which is usually determined by any determinable credit risk.

Most consumers are surprised to learn that

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

Combination pro

they are permitted to request a free copy of their credit report, every 12 months, from each of the three major credit reporting agencies. These i

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

nclude Experian, TransUnion and Equifax. These are the three agencies that respond to credit report requests from banks and other potential lender

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

. They supply the credit report, which is used to determine whether or not a loan is approved, the amount of any loan granted and an interest rate

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

. While the credit reporting agencies are not involved in the actual credit decision, they are the ones who provide the information that leads to

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

that decision.

These days, many businesses promise to provide a free credit report, but there is almost always a subscription requirement or pai

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

service that must be honored before the individual can receive their free credit report. One website, however, is much different. Once every 12

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

Following aspects would a

months, consumers may visit http://www.AnnualCreditReport.com and request instant online access to their free credit report from each of the three

dd to the challenges in developing combination products:

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

previously mentioned credit reporting agencies.

Upon viewing each credit report, which may be slightly different from each of the reporting agenci

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

es, individuals will be able to review every entry and confirm their accuracy. If anything is determined to be incorrect, including an account bal

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

nce, status or payment history, the consumer has a right to dispute that information with the credit reporting agency directly. At the time that a

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

dispute is lodged, the agency will launch an investigation to determine whether or not the entry needs correcting.

At any time during the year, i

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

Professional from academic institutions, pharmaceutical industries, health care indust

f an applicant is denied credit, he/she has a right to receive a free copy of the credit report from the agency who supplied the information to the

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

denying lender. The lender must supply the name, address and telephone number of the credit reporting agency that supplied the applicant’s credit

.

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

report. Within 60 days of the notice of denial for credit, the applicant may request a free copy of his/her credit report. A final consideration

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

Companies that provide selfless information through particip

recommended to all consumers is that, in order to prevent identity theft or any type of fraud, a credit report should be monitored every six months

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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