Main Subject - Finance

We have three major credit reporting bureaus: Equifax, Experian and Trans

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

Union. It is very possible for these bureaus to have three very different

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

Examples of combination products may in

credit scores for the same person. This can make credit-scoring process v

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

ry complicated for lenders and borrowers. Due to these reasons, the burea

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

s created one common entity for all three of them called VantageScore. <

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

Combination pro

r>
The nation's three consumer credit reporting companies - Equifax,

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

Experian and TransUnion - worked together to develop a tri-bureau generic

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

credit scoring system. Such systems exist in the market today, including

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

everal that are produced by the individual companies themselves. However,

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

VantageScore marks the first time that the three companies joined forces

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

o produce a model that scores consumers consistently across all three com

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

Following aspects would a

panies.

Due to the fact that this single credit score is devel

dd to the challenges in developing combination products:

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

ped simultaneously from consumer data across all three credit reporting c

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

mpanies, it promises greater consistency and predictability. Hopefully, i

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

will make life easier for both lenders and borrowers as well. You can fi

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

d out more about VantageScore by going to its website at www.vantagescore

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

Professional from academic institutions, pharmaceutical industries, health care indust

com.

In case if you haven’t already done so, don’t forget to o

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

der your free credit report from www.annualcreditreport.com. In order to

.

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

everage through three credit bureaus, you can order one free credit repor

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

Companies that provide selfless information through particip

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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Main Subject - Combined Credit Score from Three Credit Bureaus

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