Update on this...I contacted the EO and they reversed the denial and approved me for a $5000 PLC but did not remove the second hard inq.
PenFed seems like an odd duck, in some instances they appear to be throwing money at people and in others treat them like Pariahs.
Very odd considering some of the data points involved.
Congratulations on your approval and nice job with the recon, way to go!!!
What do your schedule C's show on your returns?