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FBI statistics reveal that identity theft is one of the fastest-growing crimes in the United States, with about 1 in 5 families in the U.S. being a victim of identity theft. Identity theft is

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

obtaining another person's personal information (e.g., name, social security number, credit card number, passport) without that person's knowledge and using that information fraudulently.

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

Examples of combination products may in

or someone who discovers they are a victim of identity theft, it is important to act fast. Here are some immediate steps to take in order to stop further misuse and to restore your good credi

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

:

1. Contact the fraud departments of any one of the 3 credit reporting companies to place a fraud alert on your credit report. When a fraud alert is placed on your credit reports, creditors

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

ill contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert, and they are required to

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

Combination pro

contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you're entitled to order free copies of your credit reports

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

. When you receive them, check them over carefully for any new accounts that may have been opened without your authorization. Also be aware of any new inquiries by banks, lenders and credit

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

ard companies that you were not familiar with.

2. Report the crime to your local police or sheriff's department and request a police report.

3. Contact your creditors, banks, phone companies

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

and utility companies and have them freeze your accounts. Banks, credit card companies and other creditors may require a copy of your police report. You may be liable for a small sum of the

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

raudulent charges; check with each of your card issuers for their policies. Most creditors promptly issue replacement cards with new account numbers.

4. File a complaint with the Federal Trad

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

Commission.

5. Monitor all bank and credit card statements and other bills carefully to ensure there are no fraudulent charges. If you find fraudulent checks or withdrawals on your bank acc

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

Following aspects would a

ount, notify the fraud department of your bank in writing immediately.

Stop payment on any missing checks and/or close your existing account. You can also notify the check verification comp

dd to the challenges in developing combination products:

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

nies not to accept further checks under the account number that was stolen. To find out if the identity thief has been passing bad checks in your name, contact SCAN @ 1800-262-7771.

If unaut

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

orized credit card charges appear, notify your credit card company in writing without delay.

6. If you believe the theft involved your social security number, contact the Social Security Admi

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

istration. They may re-issue a lost or stolen social security card or may, under some circumstances, give you a new social security number.

As you know, your credit rating is all important.

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

Every precaution should be taken to protect your credit rating. Once you have your identity straightened out, you might consider registering with Equifax Credit Watch™. Equifax Credit Watch™

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

Professional from academic institutions, pharmaceutical industries, health care indust

makes monitoring your report easy by automatically alerting you within 24 hours of key changes in your Equifax Credit Report™ - like when someone tries to get credit in your name or there are

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

sudden changes in your credit card balances. - so you can act before serious damage is done.

Below are important phone numbers you will need for reporting your identity theft:

Credit Reporti

.

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

g Agencies:

Equifax 1800-525-6285

Experian 1888-397-3742

TransUnion 1800-680-7209

Federal Trade Commission Hotline:

FTC Hotline 1877-438-4338

Check Ve

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

Companies that provide selfless information through particip

ification Companies:

Telecheck 1800-710-9898

Certegy 1800-437-5120

To find out if the identity thief has been passing bad checks in your name:

SCAN 1800-262-7771

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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Few people would expect a book about taxes to take the bestseller lists by storm, but that's exactly what The Fair Tax Book has done. In face, it might well become the cornerstone of the biggest American political movement of the last 100 years.

If you have just become unemployed and lost your employer-sponsored group health insurance plan, one way for you to obtain affordable health insurance in Pennsylvania is to purchase a conversion plan.

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