I strongly suggest that you call the people at CLEP again and ask them if they have computed the number of credits that your husband's score is equal to, which would have to be more than three. My experience with CLEP is that they're helpful, but you might need to speak to someone other than a CSR if you want an informed answer from them. If that doesn't work, try calling the American Council on Education (ACE) and ask them the same question.