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Identity theft can be hugely damaging to a victim's credit rating, as their file will invariably be filled with the worst kind of adverse information - unpaid credit bills and b

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

ad debts. While prevention is obviously better than cure, and there is plenty of information around on how to help protect yourself against ID theft and fraud, unfortunately man

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

Examples of combination products may in

y people still fall victim to this most modern of crimes. What should you do if it happens to you?

The most immediate and urgent step to take is to close all your accounts that

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

you either know or suspect have been compromised, to prevent the thieves making use of them. You should also be sure to tell the providers of the accounts why you're closing the

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

m, as the quicker you report ID theft the less your liability will be for any financial damage that results. You could be held liable for any fraud that occurs between discoveri

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

Combination pro

ng your ID theft and notifying your banks, although many major organisations like Mastercard and Visa enforce a maximum liability of $50.

You should first request closure of yo

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

r accounts by telephone, speaking to a representative of your bank's security and fraud department, and this will place your accounts on hold blocking any further access until y

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

ou follow up the request in writing.

Any replacement accounts you open should at the absolute minimum have different account numbers, and should also have different PINs, passw

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

ords, and any plastic cards or checkbooks etc should be replaced.

Next, you should place a fraud alert on your credit file by contacting the three major national credit referen

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 agencies - Experian, Equifax and Transunion. This will make it harder for people in possession of your information to commit further fraud. The first kind of alert, an 'Initia

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

l Alert' stays on your record for 90 days, and is a way of informing financial companies that there may be a problem either now or in the near future, for example if you've had

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

Following aspects would a

your wallet stolen.

Having an initial alert on your file will make any credit applications made in your name be subjected to extra scrutiny, minimising any future damage. You a

dd to the challenges in developing combination products:

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

e also entitled to a free credit report from each of major credit reference agencies.

The next kind of alert is known as an 'Extended Alert'. This kind of alert stays on your f

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

ile for seven years, and is appropriate when you've been a confirmed victim of ID theft. As well as providing longer term protection against further damage to your credit file,

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

an extended alert entitles you to two free reports from each of the three credit reference agencies listed above, which can be requested within twelve months.

Your details will

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

also be removed from pre-screened credit offers marketing lists for a period of five years, meaning you won't receive any unsolicited offers of credit - and neither will any fra

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

Professional from academic institutions, pharmaceutical industries, health care indust

udsters still using your details.

Hopefully these steps will prevent any further fraud being committed in your name, so now it's time to start clearing up the damage. You'll fi

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

nd that banks and other organisations will be very helpful in this, advising you on what forms you need to fill in and what steps you need to take. It's a very good idea to repo

.

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 your case to the police and get a crime number, as this will be needed for most claim forms.

The final step is to report your case to the Federal Trade Commission (FTC) to he

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

Companies that provide selfless information through particip

lp them build up better profiles of how ID theft happens and how criminals commit fraud, so making law enforcement agencies better equipped to prevent it happening in the future

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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You know those big Human Resources Policies & Procedures manuals that all big corporations have? The ones govern your code of conduct during your workday? Those rules were made to be broken. That is, if you decide to work for yourself and become an entrepreneur. Otherwise, you'd get fired for breaking the HR rules.

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