If you disconnect one of the two working phones, does the third one then start working? If not, it suggests a wiring problem, or in the case of wireless phones, some issue with communicating between the handset and base. There is not a 1-to-1 relationship between number of phones and REN. There should be a label on the phone or a statement in the owner manual, specifying its REN value.
The phone that wasn't working is wireless the other 2 are wired phones. Not sure why but after unplugging and plugging in the one wireless phone and one wired phone, all 3 phones work now !!
Thanks for the help HDFLucky !!