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.
As far as your FICOÂ® score is concerned, credit inquiries are classified as either hard inquiries or soft inquiries  only hard inquiries have an affect on your FICO score. Soft inquiries are all credit inquiries where your credit is NOT being reviewed by a prospective lender. Time since recent account opening(s), by type of account. 2  Time since credit inquiry(ies). 3  A FICO score does not take into account any involuntary inquiries made by businesses with whom you did not apply for credit, inquiries from employers, or your own requests to see your credit report.