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Identity theft is a growing problem and one that affects consumers at every income range. After all, you can buy merchandise online with only a numbers and a mailing addr

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

ess. Plastic credit cards are only starting to incorporate photo ID or biometric identification. Until the credit and banking industries make radical changes in credit c

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

Examples of combination products may in

ard processing, thieves all over the world will continue to exploit the inefficiencies of the credit processing system to steal money.

Recently, I was hired by a local ph

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

ysician whose identity was stolen by a thief in another State. We are not sure exactly how the thief obtained my client's social security number, but the end result to my

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

client was numerous bogus credit card accounts and even a fraudulent checking account. The scam came to light when an attentive clerk at a jewelry store demanded a photo

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

Combination pro

ID and the thief fled the store.

What I found interesting about this case as well as several others was that the theft did not come to light for several months - which wa

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

s plenty of time for the criminal to make a mess of my client's credit file.

I think, therefore, that the speed at which you react to identity theft can have a tremendous

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

impact on the damage it causes. The faster you move to cancel exposed accounts and to notify the credit bureaus of the identity theft, the less likely you will end up in

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

a multiyear battle to restore your credit.

Here are a number of suggestions about how you might prepare yourself to react quickly if and when you learn that you have bee

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

n a victim of identity theft:

1) request your credit reports regularly and review what you see - you should review your credit file at least twice a year, if not more oft

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

n. Several of the credit reporting agencies have "credit protection" services that promise to monitor your credit file for unusual activity. If you can afford this prote

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

Following aspects would a

ction, it might make sense.

2) keep a list of all of your credit cards, including the names, addresses and phone numbers of the issuers. If you need to cancel your cards

dd to the challenges in developing combination products:

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

quickly, this list will prove invaluable.

3) if you have credit cards that you do not use, but you have kept the accounts open to help build your credit score, keep thos

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

e cards in one place - preferably in a safe or safe deposit box. Keep a recent copy of your credit reports with these cards as well

4) make a list of all items contained

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

in your wallet. I have seen some people photocopy all of the cards in their wallet so you will know where you might have a problem if your wallet is lost or stolen. Thi

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

type of information should not be keep in your kitchen drawer.

Finally, if you become a victim of identity theft, make every effort to find out where the thief is operat

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

Professional from academic institutions, pharmaceutical industries, health care indust

ing. For example, in the case of my physician client, the thief's activity occurred in a suburb of Dallas, Texas. We contacted the Dallas police department and filed a p

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

olice report and we included that police report in all written notices to affected creditors. You can also use your knowledge about the thief's location to contact banks

.

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

and credit unions in that area to advise them of the identity theft and to warn them not to open any new accounts in your name.

Identity thieves use the delays in the cre

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

Companies that provide selfless information through particip

dit processing system to their advantage. Anything you can do to reduce the amount of time available to the thief, the better your chances at reducing harm to your credit

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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