Yes. When you go on the site and start the process of ordering a report, it will ask if you have been denied credit in the last 30 - 90 days (not sure what the exact time frame is). You say yes, it will ask what creditor denied you and when.
Then you will get a free report.
I am not saying there will be a judgement there but it is better to know for sure before you call Target and ask for reconsideration.
For future reference, you are entitled to one free report per year from annualcreditreport.com. These reports come directly from the CRAs and are accurate.
