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.
Hard inquiries do affect your credit score. You will likely know about them â or rather, you had better know about them â because your consent is required. A hard inquiry is triggered when you actually apply for credit, including a mortgage, credit card, auto loan, student loan, personal loan or a business loan. This inquiry becomes part of your credit report, meaning anyone else who does a hard or soft pull will see the inquiry. A hard inquiry may shave up to 5 points off your FICO score.