That was 3 on the NUM PAD. I went ahead and combined. I was able to combine but the radius on the fender still was coming out messed up....

that is because you are going to have to add support edges to tighten the corners. when maya or any package smoothes it averages between three edges/verts. If you want a tight edge you are going to need three edges close together. This is why I suggested that you watch a couple basic modeling tuts first as this is the kind of stuff those intro tuts teach.