Do you check my credit history when I apply for a Cogni account? April 13, 2021 23:56 Updated We do not check your credit history when you apply for a Cogni account, so applying will not affect your credit score. Related articles If I am not automatically Approved, what is the manual review process? What do I need to apply for a Cogni account? Who can use Cogni? What’s a Single-Use card? If I change phone numbers, how do I access my account?