Handicap Index and GHIN

A USGA Handicap Index® issued through a Golf Association by a golf club is designed to allow golfers of differing abilities to compete on an equitable basis. A Handicap Index is revised throughout the golf season and is based on golfers' scores, as well as the relative difficulty of the courses on which their rounds are played.


What is GHIN?

GHIN stands for Golf Handicap and Information Network and is the world’s largest handicap computation service.

What is a Handicap Index?

A Handicap Index is determined by a somewhat complicated formula. The GHIN system automates this calculation.


A Handicap Index is used to determine a specific Course Handicap for any course that has a USGA Course Rating and Slope Rating.  This means that your handicap is equitable and adjustable, depending on what course you are playing. For example, you might have a Course Handicap of 28 at Stone Creek, while you would be a 30 at Juliette Falls.)


A Handicap Index is needed for play in a net game or competition, so that all golfers are participating equally. Also, a Handicap Index allows you to track your progress over time. The important thing to remember about your Handicap Index is that it is designed to travel with you and to level the playing field.


What are Course and Slope Ratings?

A Course Rating is a measure of a course’s difficulty level for a scratch golfer. The Course Rating is determined by raters who base their evaluation on yardage, green contours and the nature of the hazards, such as water, sand and other obstacles. The Course Rating is usually printed on the scorecard. The course rating for Stone Creek’s Silver tees is 69.4.

The Slope Rating is a ratio that represents how difficult a course will play for golfers of varying abilities in relation to a scratch golfer. Slope Rating takes into account certain aspects of a course’s layout that will affect a high handicapper’s score more than that of a low handicapper. Like the Course Rating, the Slope Rating varies from each set of tees and can be found on the scorecard or in the
clubhouse. The slope rating for Stone Creek’s Silver tees is 117.


How do I establish a Handicap Index?

The first step is to subscribe to the GHIN system. This is done through the Stone Creek Golf Club paying your annual GHIN dues, which is $30 per year (varies year by year).


The second is to post at least five 18-hole scores or ten 9-hole scores (or any combination). Your Index is recalculated twice a month (on the 1st and 15th of each month) using your 10 best scores, relative to the Course Rating and Slope Rating, of the most recent 20 scores posted. Your Index is based on your peak performance, not your average performance.


Posting Scores

There are two basic principles behind the practice of posting scores. You must try to make the best score at each hole in every round, and you are required to post every acceptable score, including the courses played outside Stone Creek. You may post your scores into the GHIN system either from the computer in the Stone Creek pro shop or from your home PC or mobile device. To access GHIN from home, go to www.GHIN.com and select the Post Score tab. Use the drop down options to select the course and tees you played.  NOTE:  All scores for Monday Ladies' Play Day are posted by the pro shop, so no need to post these.


Adjusted Scores

If you skip a hole or don’t play it according to the Rules of Golf, you must post a score of par plus any handicap strokes you would receive.


If you play a mulligan, you should post par plus any strokes you would receive on the hole as your score, not the score that you made with the mulligan.


If you start, but do not complete a hole or are conceded a stroke, you must record the score you most likely would have made had you finished out the hole.


Equitable Stroke Control

Equitable Stroke Control (ESC) puts a cap on individual hole scores for handicap purposes in order to make your handicap more representative of your ability. ESC puts a limit on how many strokes you can take on a hole depending on your Course Handicap. ESC is applied to all scores, including tournament scores. Below is the maximum number of strokes allowed per hole, based on Course Handicap:

Course Handicap

Maximum Score

9 or less

Double Bogey







40 or more



ESC is applied after the round and is only used if your actual score exceeds the maximum score you are permitted to take.


Frequent Links

SCLG Tee Times

Monday Ladies' Play Day

Tee times for "SUMMER" Season begins

June 1, 2020

 11:30 am (18 holes)

 11:30 am (9 holes)


Stone Creek Golf

 *JUNE 2020*


Novice Golf

Wednesdays at 5pm


Par 3 Contest

June 9th 4pm start

See pro shop for details


Couple's Golf

June 14th 9am start

1BB of 2


Complimentary Clinic

June 18th 10 am

Fairway Woods


2020_2021 Golf Committee

Tina Drew (Pres.)

Deb McCammon (VP)

Peggy Eizans (Sec)

Pam Fitzgerald (Treas)

Claudia Blake

Diane Palazzi

Diane Auger

Gail Sheiman


GAR Delegates:

Bonnie Cullen (Sr.)

Maggie Shaw (Jr)