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.
According to MyFICO, a single credit inquiry can take up to five points off your credit score. As the number of inquiries increases, your credit score shrinks. Each inquiry stays on your credit report for two years from the date it appeared. An inquiry is generated at the time the creditor pulls your credit report -- however, it could take longer to show up on your credit report. Your FICO score does not include the inquiry from that pull in the credit score your lender gets.