To help determine if your insurance is accepted, we recommend taking the following steps: 1  Call the member service information number located on the back of your insurance card. 2  Inform your insurance that you will be visiting MinuteClinic.  Confirm your benefits and coverage for the specific service you're seeking.
A hard inquiry is an inquiry that occurs when a prospective lender checks your credit report to make a lending decision. Hard inquiries can slightly lower your credit score and will typically stay on your report for two years.
Requests viewed by others are the result of you initiating a transaction, for example by applying for credit. Because these inquiries are âhard dataâ which are a part of your credit history and can affect lending decisions and credit scores they are sometimes called hard inquiries. Inquiries have minimal impact on credit scores, and the impact decreases rapidly over time. Inquiries alone will never be the reason a credit application is declined.