Do you check my credit history when I apply for a Novo account? Novo will not check your credit history when you apply for a Novo account. Also, having an account with Novo will not affect your credit score. Apply for a Novo account today! Have more questions? Submit a request Related articles Can I apply for an account with an EIN instead of an SSN? Is there a minimum balance to open an account? What if I need checks to run my business? What business documents do I need to open an account? What information will I need to provide in my application?