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Identity theft is a malicious crime with serious implications. It can wreck havoc on your credit file, your ability to purchase a home in the future and interfere with potential job opportunities.

Approximately 246,000 cases of identity theft were filed between January,

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

2004 and December, 2004 – a staggering increase of 52% since 2002. Statistics of victimization by age group revealed that anyone from 18 to 65 is fair game. The breakdown by fraud subject were as follows:

Credit card fraud – 28%

Phone and utilities – 19

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

Examples of combination products may in

Bank fraud – 18%

Employment – 13%

Other (government documents, benefits, insurance, bankruptcy, etc) – 22%

So what is “Identity Theft”? Identity theft happens when, someone steals your personal information and commits fraud in your name.

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

xamples include situations where your your name, social security number, home address and/or date of birth is used to open fraudulent credit card, telephone and utility accounts.

Perpetrators of identity theft should not be underestimated – some are clever and make a good

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

living doing what they do. They have perfected ways to find your personal information and bleed you dry. Here are a few of their information pilfering methods:

Obtaining your information while on the job or bribing someone who works in a certain organization to

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

Combination pro

teal your information.

Rummaging through your trash.

Stealing your mail (including any bank and credit card statements, checks, tax information, etc.)

“Skimming” your information by attaching devices to an ATM and stealing your information once y

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

u swipe your card and enter your PIN number.

Hacking information databases.

Stealing your wallet or purse.

“Phishing” for information through phone calls or email under the guise of correcting errorneous information about your account.

Once

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

they have acquired your information, they will use it in a number of ways to harm your personal finances. The FTC sites the following ways, in which they utilize your information:

Open credit card accounts in your name and charge up the accounts. In order to avo

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

d detection, they will file a change of address request with the local post office so that you do not receive your credit card bills. Out of sight – out of mind.

Establish wireless and phone service accounts in your name.

Buy an automobile in your name.<

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

Get an identification document such as a drivers license in your name.

File a tax return in your name.

Get a job in your name.

Give your name to a police officer in an arrest and not show up to court.

Open a bank account in your

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

ame and write bad checks.

File for bankruptcy in your name to avoid paying for debts incurred in your name.

So what can you do? You cannot make yourself 100% theft-proof, when it comes to this crime but there signs to look for and ways to lessen the likeliho

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

Following aspects would a

d of becoming a victim of identity theft. Any of these signs should raise a red flag:

Your credit report shows accounts that you are not familiar with. If you have not done so already, get your

dd to the challenges in developing combination products:

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

ree credit report.

You are not getting bills on time.

You are receiving credit cards that you did not apply for.

You are being denied credit.

You are getting phone calls from debt collectors about an outstanding debt.

In additio

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

, to monitoring red flags, the FTC recommends the following guidelines:

Put passwords on all your credit card, utilities, bank, phone and wireless accounts. Avoid using the common passwords such as your mother’s maiden name, spouse’s name, date of birth, last four

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

numbers of your social security number, phone number, etc. If a business uses one of these passwords, inquire about putting your own password on the account.

Secure personal information, when you are having work done at your house or if you have roommates.

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

li>Monitor your credit report every few months.

Do not give out personal information over the phone, email or internet unless you are sure of the other person’s identity.

Remove your mail promptly.

Shred mail and trash with personal information .

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

Professional from academic institutions, pharmaceutical industries, health care indust

br>

Deposit outgoing mail in the post office mail box rather than an unsecured mailbox.

Do not carry your social security card with you.

Do not give out your social security number unless it is necessary. If your state and medical insurance programs

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

use your SSN as identification – you may request that they use another number.

Pick up bank checks from the bank rather than through mail.

Be cautious when responding to promotions.

Run a virus protection software on your computer.

Don’t

.

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

open files that are from strangers.

Use a firewall program especially if you have DSL or a T-1 line.

Ensure that websites that you purchase products from or enter your personal information have SSL (secure socket layer) encryption. You will be able to tel

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

Companies that provide selfless information through particip

by the “lock” on the bottom right-hand corner of your browser.

Delete personal information before disposing of your computer.

If you believe that you are a victim of identity, fight back.

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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