Main Subject - Finance

Do you KNOW what is on your credit report? Even if you have just filed bankruptcy it is EXTREMELY im

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

portant that you KNOW how it is reported on your credit report. It is NOT the credit reporting agenc

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

Examples of combination products may in

es responsibility to make sure that your credit report is accurate. It is YOURS, and only you can ma

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

e sure that it is.

After receiving your bankruptcy discharge papers the first thing you will want t

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

o do is get a copy of your credit report and make sure that the information reported on it is correc

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

Combination pro

. Did you know that over 90% of the time it is incorrect?

You wll want to make sure that your repo

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

t is showing the date the bankruptcy was filed and when it was discharged. Make sure that ALL 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

ors that you included in the bankruptcy are showing that they were and that your balance is $0 and n

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

thing else. Profit & Loss or Charge Offs will lower your credit score. Make sure they report as "inc

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

uded in bankruptcy" with a $0.00 balance.

If a creditor shows any balance other than $0.00 and it w

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

s included in the bankruptcy it will lower your credit score. It will by your responsibility to con

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

Following aspects would a

tact the creditor and have them update your credit report to show the correct information. Be prepa

dd to the challenges in developing combination products:

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

ed, you may need to contact them several times before they get it right. But don't stop until it is

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

Did you also know your credit score will go up after a bankruptcy? Why? Because all past due, pro

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

fit & loss and charge offs will now show a balance of $0 instead of a balance past due.

Did you kno

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

that if your credit score is over 500 you can purchase a home and get 100% financing? That's right

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

Professional from academic institutions, pharmaceutical industries, health care indust

! However, you need to realize that you will be paying a premium price in the closing costs and inte

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

rest rate. If you do some credit repair and wait until the bankruptcy is two years old you can quali

.

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

y for a Fannie Mae low interest rate loan.

Remember, you are responsible for your own credit report

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

Companies that provide selfless information through particip

No one else is going to care about it as much as you. Start working on it now, it's never to late

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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