Do you check my credit history when I apply for a Novo account? We 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 Is there a minimum balance to open an account? What information will I need to provide in my application? Why was my application denied? How do I apply for an account with an EIN instead of an SSN? What business documents do I need to open an account?