It could be that the radio is not reading the SD card properly. Under the batteries in the back is the SD card. If you have a card adapter and/or a reader in your computer, take the card out of the scanner and plug it into the adapter/reader in your computer. The card should show up as a removable drive in Windows. And yes, you will need to download Sentinel.. among other things, the radio gets regular (weekly) updates to its internal database from Sentinel.
Once you have Sentinel installed and updated ("Update Master DB" in the menus), and if the card can be read by the computer, you can try reading it ("Read from HomePatrol") and/or writing back to it. You may have to format it, clear it ("Clear User Data'"), or trash it and go with a brand new card (2GB to 32GB will do).