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Big banks, mortgage brokers, credit repair companies, web sites and blogs... seems like everyone is giving advice on how

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

to fix your credit. But what advice is real, and how can you trust it?

This is a difficult question to answer.. after

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

Examples of combination products may in

ll, I am one of those writers that gives advice. How can you trust my advice?

In this article, I am not going to tell 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.

u HOW to fix your credit. Rather I will share WHO to talk to and WHY.

When discussing your credit issues, talk to those

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

that have a history of working with that type of credit. For example, if you walk into one of the "big banks" out there

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

Combination pro

(you know the ones I am talking about) you must keep in mind that the loans they make are to people with excellent credi

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

. They do not go out of their way to help the credit challenged. So when you ask the "advisor" there, the advice you mos

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

likely will get is to "clean up your credit and come back to see me." How? Since they don't really know how, they may a

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

vise speaking to a credit "repair" company. They "must" know what they are doing.

Credit repair companies are shady at

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

best. I have yet to find one that offered anything beyond what you could do yourself for free... yet they will charge yo

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

upwards to $1000 to help you "fix" your credit. Even Fannie Mae says to steer clear of them. (Fannie Mae is the largest

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

Following aspects would a

lender of preferred credit mortgage loans in America.)

What about the mortgage "brokers?" Well, I must admit right now

dd to the challenges in developing combination products:

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

hat this is my field. I am a broker in the mortgage industry. Where I feel you have an advantage here is that a broker c

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

an take the time to see what your history really is, and if the broker is experienced in "sub-prime" or "credit issue" l

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

ans, chances are they work with credit challenges everyday. This is my profession in a nut shell. I work with people on

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

daily basis that have major credit issues. Through this experience, I have learned what CHANGES credit and improves sco

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

Professional from academic institutions, pharmaceutical industries, health care indust

es.. and not by old tricks that don't work.

The best advice I can give to someone seeking advice is to weigh the "exper

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

t's" experience in actually helping to turn things around. Ask for referrals... ask for proof that they can make a diffe

.

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

ence. Their advice might not be the conventional advice, but do you want cookie cutter advice for you?

Good luck in you

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

Companies that provide selfless information through particip

search. It can be tricky out there, but there are still good professionals out there that can make a difference for you

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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