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.
How do credit inquiries affect your credit score? Sometimes inquiries donât affect your credit score at all. Other times they can affect it by up to 5 points each. However, having too many inquiries on your credit report at once can indicate to a creditor that you are desperate for money and may be in trouble financially. They may also assume that youâve recently opened up a bunch of new accounts and could deny you credit because new lines of credit often take time to show up on your report.