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You know it’s time to start worrying about holiday shopping when the trees and giant Santas come out in all of the stores. One store I shop at is already playing holiday

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

music!

The stores are gearing up for the holiday shopping season already. And so are identity thieves. It’s the happiest time of the year for them, too.

The stores and

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

Examples of combination products may in

malls are filled with rushed, often agitated, shoppers. The holiday crunch is distracting, and many shoppers forget to keep their personal information safe.

Identity the

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

ft is the gift that gives all year long. And chances are that you’ll never know you are a victim until you are turned over to a collection agency or turned down for credi

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

t. By that time, a criminal could purchase a car, a boat and a lot of bling-bling in your name.

One of the easiest ways to detect fraudulent usage of your identity is by

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

Combination pro

checking your credit report. You are allowed one free report each year from each of the three major credit reporting agencies: Equifax, Experian and Trans Union. That’s

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

three reports a year. I stagger mine so that I watch my credit year round. I look at one in January, one in April and one in August.

If you suspect that your identity ha

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

s been stolen, you should immediately put a 90-day fraud alert on your credit file. All you have to do is call one of the three agencies. The credit agency will then cont

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

act the other two agencies for you. They are required to do so by law.

The law also requires creditors to accept the fraud alert and take reasonable steps to verify your

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

identity before opening a new account in your name.

If the problem isn’t cleared up within 90 days, you can request an extended fraud alert that last up to seven years.

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

To do this, you must provide proof that you have been a victim of credit fraud, for example, a police report. You can then remove the fraud alert at any time.

Lenders mu

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

Following aspects would a

st notify you if they are reporting unpaid bills or negative information about you to a credit bureau.

You can help protect yourself from holiday identity theft by takin

dd to the challenges in developing combination products:

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

g some defensive actions.

Remember, you will likely be in a crowd, often shoulder-to-shoulder with someone. This is an ideal setup for a pickpocket. Take only the credit

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

or debit cards that you need for your shopping trip. You should probably keep them in the front pocket of your pants or the interior pocket of a jacket. If you carry a w

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

allet, make sure that you do not have any personal information or your Social Security card in the wallet.

Pay close attention to your mail. If you don’t receive your mo

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

nthly credit card statement, it isn’t a gift from Santa. Identity thieves love to raid mailboxes for your personal information. They can even change the address on your b

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

Professional from academic institutions, pharmaceutical industries, health care indust

illing so that you won’t catch on so fast.

If you shop online, check the sites’ security policies before you click buy. All reputable sites make their policies easily av

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

ailable.

Some credit card companies are starting to employ added protection for your online shopping. You can download a randomly selected “disposable” number good for o

.

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

ne purchase. You don’t have to use your real credit card number. Check to see if your credit card company offers this feature.

Be alert. Make sure that you don’t leave a

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

Companies that provide selfless information through particip

store without your credit card receipt. Don’t forget to stop your mail if going on vacation. Take precautions that will make this a bright season for you and your family

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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