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Identity thieves take advantage of everyday opportunities to discover your personal information and use it to commit fraud or other crimes. The good news is a victim of identity theft has more options today than ever before. According to the

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

Federal Trade Commission (FTC), there are four important actions you can take to minimize the credit damage caused by circumstances beyond your control.

1. Contact any of the three major credit bureaus. Speak to someone in the fraud departmen

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

Examples of combination products may in

t and request that a fraud alert be placed on your credit report. As soon as one credit bureau confirms your fraud alert, the other two will automatically place one on your report as well. With a fraud alert in place, creditors must contact yo

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

u before opening any new accounts in your name or changing any details of your existing accounts.

Then request a free copy of your credit report from each one. Review all of your credit information looking for unauthorized accounts, charges,

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

r changes. Check the accuracy of your name, address, phone number, Social Security number (SSN), past employers, and any other personal information. Request any inaccuracies be corrected by notifying the bureaus by phone and follow up in writi

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

Combination pro

ng by using certified mail, return receipt requested, so you will have documentation of all requests and responses by the bureaus. The addresses for each bureau are listed at the end of this article.

Continue to check your reports every few

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

months, especially in the first year after you have lost your personal information.

2. Contact the creditors for the accounts that have been altered or opened without your permission. This includes bank accounts, credit card companies, lender

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, utilities, phone companies, Internet service providers, and any other services that may be opened fraudulently. Contact the company’s fraud department b phone and follow up with a letter.

The FTC offers the “ID Theft Affidavit” to dispute

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

ew accounts, available at www.ftc.gov. To dispute charges on existing accounts, request the company’s fraud dispute forms.

If you suspect that a thief has been passing bad checks in your name, close the account immediately and notify your ban

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

k. Contact the major check verification services and ask that the retailers who use their databases stop accepting your checks for purchases. To find out if an identity thief has been writing checks in your name, call SCAN at 1-800-262-7771. T

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

he three major check verification services are:

• TeleCheck – Call 1-800-710-9898 or 927-0188.
• Certegy, Inc. – Call 1-800-437-5120.
• International Check Services – Call 1-800-631-9656.

3. The third step to take if you believe yo

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

Following aspects would a

u are a victim of identity theft is to file a police report. Request a copy of the report for your records and to send to creditors for verification of the crime. Unfortunately, 61% of victims in 2004 did not notify the police of identity thef

dd to the challenges in developing combination products:

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

crimes.

4. Finally, file a complaint with the FTC to help law enforcement across the country track identity thieves and catch them. You will also be referred to other useful government agencies and consumer organizations to help you recover

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

from identity theft. Contact the FTC in any of the following ways:

• Call the FTC’s Identity Theft Hotline at 1-877-IDTHEFT (438-4338);
• Write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washing

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

ton, DC 20580;
• Or visit www.consumer.gov/idtheft.

5. If you have a substantial credit damage claim, call CM Financial at 714 441-0900. If you have been turned down for a loan, lost a job, or possibly had to pay significantly more in

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

terest fees because damage to your credit score due to circumstances beyond your control, you may have a credit damage claim. Now with a newly developed process called Credit Damage Measurement, you can measure the financial loss you have sus

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

Professional from academic institutions, pharmaceutical industries, health care indust

ained and as a result, receive fair compensation. Visit http://www.creditdamage.com for more information.

These five steps should resolve most of your credit problems after becoming a victim of identity theft. However, stay alert for new occ

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

urrences. Review your credit report every year and report any problems to creditors immediately both by phone and in writing. With diligence and a little patience, you can recover your good name.

As promised, here is the location and contact

.

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

information for he three credit bureaus to report fraud:

• Equifax – Call 1-800-525-6285; write P.O. Box 740241, Atlanta, GA 30374-0241; or visit www.equifax.com for more information.
• Experian – Call 1-888-EXPERIAN (397-3742); write P

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

Companies that provide selfless information through particip

.O. Box 9532, Allen, TX 75013; or visit www.experian.com for more information.
• TransUnion – Call 1-800-680-7289; write Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790; or visit www.tuc.com for more information

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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