Thanks for the reply, I think I figured what had happened.
I had saved over a character I didn't want, using the same name as another character thinking that using caps/or not, would have made a difference, well, so two files with the same name and one character doesn't work..... ooops.

After checking my memory card, I also noticed a corrupted file, deleted it, new name, new character and I'm good.

Tiger Woods only allows 4 slots for saving and if you ever want to delete it, looks like you just have to overwrite an old one.