Advice You - Finance

There is all kinds of conflicting information available to those searching for credit help on the

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

internet.

Most sites emphatically claim that your credit file can be repaired, even if that requi

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

Examples of combination products may in

es getting correctly reported negative items off of your credit report.

On the other hand, the FT

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

and credit bureau web sites all say that you cannot possibly have an accurate negative item remov

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

d from your credit file.

So who is right? The small web site operators or the government and cred

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

Combination pro

t bureaus? Do I really need to answer that?

If the government can convince you to live with bad c

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

edit you won't pester their buddies at the credit reporting agencies about getting rid of those en

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

tries. It cost them money every time you dispute anything.

The banks and other lenders also love

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

few bits of negative information so they can make you pay dearly for thier services.

The credit

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

eporting agencies also love a marginal credit file because they get to sell the same file to multi

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

le lenders every time you try to buy anything on credit.

As you can see, the stake is large for t

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

Following aspects would a

e credit industry. If everybody in the country with bad credit decided to start repairing it today

dd to the challenges in developing combination products:

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

the industry could be in trouble.

Most of the negative items would have to be removed because ne

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

ther the bureaus or the furnishers of information are staffed to handle the disputes.

So even as

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

the government and credit bureaus tell you that credit repair can't be done, check out some of the

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

site on the web.

The claims are real. Credit reports can be fixed. I am living proof, and went fr

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

Professional from academic institutions, pharmaceutical industries, health care indust

m terrible and accurate credit reports to qualifying for a mortgage in less than a year with perfe

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

t credit files and a stack of credit cards.

Just be leary of all the promises you see on sites th

.

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

t have something to sell. The books are for the most part informative, but they cannot work miracl

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

Companies that provide selfless information through particip

s and any information you can get from a book is available for free if you look hard enough for it

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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