Took the HP hit yesterday and also tried for the ploc under same pull.
Received email this morning to call for authentication...was surprised they were even open today.
Passed that and sent over to underwriting, (groaaaan) many questions on multiple new accounts in last 2 years. Was honest and said rebuidling, probably didn't do things right....but working hard at it...etc...he was really nice man.
He said I had great payment history, told him I am still closing more CC accounts and YES!
Music of "congrats you are approved for the 10K," did I need it to show up today in my online profile? WOW...awesome customer service!
Penfed rocks! Doing PENFED wave to forum members for all your help. 
