Advice You - Finance

Have you ever been turned down for a loan, a car, a house, credit card, all due to poor credit?

I have! And I was up

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

set and depressed! And the reasons they gave me sucked even more...no credit, too little credit, enough credit but not enough income,

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

Examples of combination products may in

oor score, too much debt, negative marks on your credit (30, 60, 120 days late), and the list goes on!

Well, after watching my score

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

plummet to an all time low of 450 points, I finally realized I needed to do something about it. So, what did I do? First I researched

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

s much as I could find on credit. I went to bookstores and read different credit repair books, then I went online and Googled "credit

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

Combination pro

epair". WHOA! Talk about information overload. There are over 15 million websites devoted to this search term alone!

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

Plenty of information for me!

After several days of no sleep and plenty of vanilla lattes...I was ready to begin the long hard journe

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

of repairing the damage! Sure I looked at the possibility of Bankruptcy at one point, but I am not a quitter and I felt obligated to

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

pay my debts. (side note: this isn't always the best action for everyone, but just the one I picked).

Here are my 7

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

teps to fix bad credit report repair

Order your credit reports. Experian, Trans Union, Equifax are the big 3 Cr

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

dit Bureaus. You can order them online and get instant viewing.

Review each report for accuracy.

Jot down discrepancie

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

Following aspects would a

s in your information on a separate sheet of paper. For example, take notes on incorrect addresses, birthdates, places of employment e

dd to the challenges in developing combination products:

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

Examine your pay history and take note of incorrect information. For example, 30 days late on a debt you have always paid o

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

n time.

Gather all this information and get ready to begin repairs!

Begin writing a letter to each of the credit burea

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

s that have problems or things you disagree with. You are going to want to list all the information that is wrong for each discrepancy

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

in your letter.

Mail the letters and be patient. Once the bureaus have researched your request, they will reply to you in writ

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

Professional from academic institutions, pharmaceutical industries, health care indust

ing with a copy of the changes made to your credit!Additional Tips

Write letters rather than typing

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

them.

Mail letters certified mail—proof that you mailed them in case they say you didn’t!

Be sure to you get correct a

.

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

ddress and employment information on your reportsIf you follow this method I guarantee you will see results! It may take tim

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

Companies that provide selfless information through particip

, but keep at it! The results will vary but in the long run, having an accurate credit report is much better than a bad one! Good luck

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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