Real sorry to see you got denied, OP. I was honestly hoping I'd be wrong on this one. I hope the recon works for you. I know some have gotten through with BKs as smallfry mentioned, but I still say they're the exception rather than the rule...PenFed's occasional "bk tolerance" does not mean they're "bk friendly", unfortunately.
At the very least, when the rest of your CR cleans up nicely, you'll be able to get in with them down the road. Regardless, don't take it personal if you don't succeed with a recon. Jmbfl is definitely giving you some great advice on recon...he's the man. Good luck!