Changes Are Coming to Your Credit Score
FICO’s newest model takes a long-term look at how you’ve managed credit.
- (opens in new tab)
- Newsletter sign up Newsletter
FICO, the credit-scoring giant, is adjusting how it calculates its three-digit key to your creditworthiness . Consumers who have rising levels of credit card and other debt could see their FICO scores take a hit. But if you already have an above-average score, it may get even healthier.
6 Ways to Boost Your Credit Score -- Fast
With its new FICO 10 T score, FICO incorporates “trended data,” reviewing a consumer’s account balances and payment activity on loans and credit cards over the past 24 months. If you steadily pay off debt over time, that has a positive effect on your 10 T score.
Paying the full balance on your credit card each month is also good for your score, says Ted Rossman, of CreditCards.com (opens in new tab) . Or, if you pay only the minimum amount due for a while and later bump up your monthly payments, that also helps your score, he says.
Subscribe to Kiplinger’s Personal Finance
Be a smarter, better informed investor.
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Plus, certain short-term changes in account activity may not hurt your score as much as they would have in the past. Say that you typically use a small percentage of the credit available to you on a credit card (a low credit-utilization ratio improves your credit score) and pay off the full balance monthly. But then you book a vacation with your card, racking up a big balance and carrying some of it to the following month. The 10 T score views that event as an anomaly, and it may not harm your score as much as it would under previous models. The use of trended data “creates a smoothing effect” over such blips, says Joanne Gaskin, vice president of scores and analytics at FICO.
On the flip side, paying off a big chunk of credit card debt to decrease your credit-utilization ratio—especially if you take out a personal loan to do it—won’t likely give your score as quick of a boost as under previous models. And recent late payments may be more heavily penalized.
FICO says that credit card and auto lenders that require a minimum score of 680 (on a scale of 300 to 850) may approve about 6% more applicants under 10 T compared with FICO 8, a model that lenders commonly use now.
How to Build a Credit History
Lenders are usually slow to take on new scores, so it could be years until FICO 10 T is broadly adopted. And the fundamental advice to maintain a strong credit score hasn’t changed: Pay your bills on time, keep your credit-utilization ratio low and apply for new credit sparingly.
How FICO scores have evolved
Every five years or so, FICO updates its credit-score formula. Each version builds on the previous one. Here are the new features that FICO added to each of its three latest score models.
➜ Released in 2009 and commonly used by lenders today.
➜ Using a high percentage of available credit on a credit card is more heavily penalized.
➜ A single late payment isn’t as detrimental to your score, but numerous delinquencies are more harmful.
➜ Collection accounts with original balances of less than $100 are ignored.
➜ Becoming an authorized user on a stranger’s credit card through “trade-line renting” has little benefit.
➜ Released in 2014 and gaining wider adoption by lenders.
➜ Paid-off collection accounts are ignored.
➜ Unpaid collection accounts related to medical debt have less of a negative impact.
➜ Rental-payment history is considered when included on a credit report.
➜ To be released mid to late 2020.
➜ Incorporates “trended data,” analyzing the past 24 months of balances and payment activity on credit cards and loans.
➜ Recent late payments may be penalized more harshly.
Lisa has spent more than15 years with Kiplinger’s Personal Finance and heads up the magazine’s annual rankings of the best banks, best rewards credit cards, and financial-services firms with the best customer service. She reports on a variety of other topics, too, from retirement to health care to money concerns for millennials. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.
Here are five steps you can take today to help reshape your money beliefs. Remember: If you can’t master your money mindset, you will never master your money.
By Brent Weiss, CFP®, ChFC® • Published 13 March 23
Because of inflation, that money is losing purchasing power, so don’t let it sit on the sidelines. Here are three ways to put it to work for you.
By Kelly LaVigne, J.D. • Published 12 March 23
Smart Buying Looking for the credit card that pays the most cash back? These lenders may pay hundreds of dollars, with minimum hassle.
By Lisa Gerstner • Last updated 1 March 23
Investing for Income If you missed out on the opportunity to buy I-bonds at their recent high, don’t despair. The new rate is still good, and even has a little sweetener built in.
By David Muhlbaum • Last updated 5 November 22
savings bonds Inflation has made Series I savings bonds enormously popular with risk-averse investors. How do they work?
By Lisa Gerstner • Last updated 8 December 22
Employee Benefits Health care costs continue to climb, but subsidies will make some plans more affordable.
By Rivan V. Stinson • Published 6 October 22
Buying & Leasing a Car In the wake of Hurricane Ian, more flood-damaged cars may hit the market. Car prices may rise further because of increased demand as well.
By Bob Niedt • Last updated 2 October 22
life insurance If your life insurance payments don’t seem worth it anymore, consider these options for keeping the value.
By David Rodeck • Published 26 September 22
credit cards Business road warriors and leisure travelers can use travel rewards credit cards to turn miles logged into other things — including more travel.
By Lisa Gerstner • Last updated 2 March 23
Even for those who pay off their credit card balances every month, knowing your APR is part of keeping good credit habits.
By Rivan V. Stinson • Last updated 23 February 23
- About Us (opens in new tab)
- Terms and Conditions (opens in new tab)
- Privacy Policy (opens in new tab)
- Cookie Policy (opens in new tab)
Kiplinger is part of Future plc, an international media group and leading digital publisher. Visit our corporate site . © Future US, Inc. Full 7th Floor, 130 West 42nd Street, New York, NY 10036.
GHIN ® Network Status
- Desktop (GHIN.com)
- Mobile Phone Apps
- Club Posting Stations
- GHIN Admin (Club Only)
- Member Training Center
Editing a GHIN Posted Score
- Mobile Apps Downloads
What if I make a mistake when posting my score? Can I edit my own score?
Once you have posted your score, the GHIN software does not let you change your score. If you need a change to your posted score, the handicap committee or the professional staff at your home club will edit the score for you. Please do not call the Carolinas Golf Association for a score change. We are unable to do this for you. This is strictly a club responsibility per the Rules of Handicapping.
Members of the Carolinas eClubs and our Carolinas Youth on Course clubs can request changes to their score (if needed) from the Carolinas Golf Association as we function as members of the handicap committees for these clubs.
- World Handicapping
- GHIN & TM-Club Supplies
GHIN Frequently Asked Questions
If you have questions about the World Handicap System and Rules of Handicapping, please click here .
Digital Profile & Login Questions
Score posting questions , ghin mobile app gps questions , games/score keeping questions , ghin apple watch app questions , ghin mobile app push notifications , other , digital profile & login questions.
Q: Why do I need to create a digital profile with a unique email address to log into the GHIN Mobile App and ghin.com?
A: To ensure data security and golfer privacy, golfers need to create a digital profile to access the GHIN Mobile App and ghin.com.
Q: How do I add my email address to my GHIN profile so that I can create a digital profile?
A: You can request that your Club Admin or Golf Association update your GHIN profile within the USGA Admin Portal.
Q: How do I create a Digital Profile?
A: First, you must have an email address on file as an email will be sent to complete the digital profile creation process. You can initiate this email via the "Create Profile" button on the login page of ghin.com or the GHIN Mobile App by verifying 2 of 3 pieces of information: Last Name, GHIN Number, Email Address. Once this occurs, you will receive an email with a link that will take you to ghin.com to set and confirm a password and accept the privacy policy and terms of service.
Q: What if I do not provide an email address, how can I post a score?
A: If you do not provide an email address, you will not be able to create a digital profile and log into the GHIN Mobile App or ghin.com. You will be able to access a Club Kiosk or have your Club Admin post a score on your behalf.
Q: I have created a digital profile but forgot my login information. What should I do?
A: There is a "Forgot Login Information" link on the GHIN Mobile App and ghin.com login page. You will need to supply your GHIN Number or email address and a reset password email will be sent to your email address on file.
Q: I share an email address with another golfer, can we log in with the same email address?
A: No, only one digital profile can be tied to one unique email address. The first person to set up a digital profile will “claim” that email address. Another email address must be provided for the other golfer.
Q: I do not know my GHIN Number; how do I obtain it?
A: Please contact your Club or Golf Association .
Q: I know my GHIN Number, but I am seeing an “Unable to Find Golfer” error message, why?
A: This may be happening for a few reasons:
- Do not include a “dash” in your GHIN Number.
- You may have an Inactive membership, please contact your Club or Golf Association .
- Your club needs to use GHIN as their front-end provider in order for you to be able to access the GHIN products.
Score Posting Questions
Q: I made an error when posting my score, how do I correct it?
A: Please contact your Club or Golf Association , they will be able to assist you in making a correction.
Q: When posting my score, the Par and/or Course/Slope Ratings do not match the scorecard. Why?
A: The local association is responsible for issuing Course/Slope Ratings, Par and measured lengths that appear for score posting purposes. If there is a discrepancy, the course will need to work with their local association to rectify the issue.
Q: I am getting an error message when trying to post a hole-by-hole score, why?
A: We do not have the Par or Stroke Index data available in our database for that course/tee. Please post a total score and contact your Club or Golf Association .
Q: Can I edit Stats or add Stats to my score?
A: You can edit Stats as well as add Stats to a hole-by-hole score posted within the “Stats” section of www.ghin.com or the GHIN Mobile App.
Games/Score Keeping Questions
Q: What is included in the Games/Score Keeping feature?
A: The main highlights of this feature include the ability to set up and track a match (using Net or Gross Score) as well as keep and digitally transfer scores to other GHIN golfers in your group.
Q: How many golfers can you keep score for or add to a match?
A: You can keep score and setup a match for golfers within your group. So the user can add up to 3 additional golfers.
Q: How are strokes determined when playing a Match using Net Score?
A: Strokes are determined and based off the golfer with the lowest Playing Handicap.
Q: What is meant by transferring scores?
A: If the user is keeping score for other GHIN golfers, whether or not they are playing a match, the user will be prompted to transfer the scores to the other GHIN golfers when they post their score. Transferred scores will appear in the other golfers’ GHIN Mobile App and can be reviewed, edited and posted by the golfers.
Q: How will golfers know they have a transferred score? How do they post them?
A: If the score keeper transfers scores to other GHIN golfers, those golfers will receive a push notification (as long as they have them enabled). Additionally, there will be a “Saved Rounds” menu item as well as a prompt about a saved round when the user clicks on the “Post Score” home screen button within the GHIN Mobile App. Golfers can then review, edit and post their score within the GHIN Mobile App.
Q: What if golfers do not have a digital profile or do not belong to a GHIN Association?
A: Those golfers can be added to a match or have their score kept, but unfortunately, transferred scores will only appear within the GHIN Mobile App. So if golfers were manually added or do not have access to the GHIN Mobile App, their scores will not be transferred.
The score keeper can take a screen shot of their scorecard and message or email the image to other golfers.
GHIN Mobile App GPS Questions
Q: What are the GPS features? Are they available to all users?
A: There are standard GPS features that are available to all users . These features include:
- 3D color maps for thousands of courses
- Touchpoint GPS distance to anywhere on the course
- Distance to center of the green
There are additional "Enhanced GPS" features available via an in-app purchase.
Q: What are the Enhanced GPS features?
A: The Enhanced GPS features that are available via in-app purchase are:
- Distances to the front and back of green
- Shot tracking
- Ability to set/move hole location
- Approach heat map
- Putt break map
Q: Are these features Rules Compliant?
A: Yes, the Standard and Enhanced GPS features are Rules Compliant.
Q: How much is the Enhanced GPS upgrade? Does it renew automatically?
A: The Enhanced GPS upgrade is $39.99 for a 12-month subscription. This subscription automatically renews each year. You can manage your App subscriptions within your Apple ID or Google Play account.
Q: Are both the Standard and Enhanced GPS features available for all courses?
A: Nearly all U.S. courses and most international courses have the standard GPS and course maps available, while most U.S. courses have the enhanced green view features (e.g. approach heat map and putt break map).
If your course is not mapped, please Contact Us
Q: Can I use the Enhanced GPS features before deciding to purchase the upgrade?
A: Yes, each user will have two “free trials” when going down “Play with GPS”. The first trial will be for the entire round (18 or 9 Holes) and the second trial will be for the first 9 Holes of the round.
Q: How do I change my location settings so I can use GPS on the GHIN Mobile App?
A: Location settings are needed to access the GPS features on the GHIN Mobile App. To change the location settings, access the settings icon on your smartphone.
Q: Will using GPS significantly drain the battery on my mobile device?
A: No, using the GPS feature on the golf course should not significantly drain the battery on your mobile device. If you are experiencing this issue, it may be due to having other apps open or not having auto-lock enabled on your mobile device.
GHIN Apple Watch App Questions
Q: What are the features of the GHIN Apple Watch App?
A: The features available for all users include Score & Stat Tracking. Enhanced GPS users can get the distances to the front/center/back of the green as well as distances to key points on the hole via the Apple Watch App.
Q: I have an Apple Watch, how do I get the GHIN App on it?
A: On your iPhone, open the Watch app. Tap the My Watch tab. Scroll to the GHIN App (Apps that you can install appear in the Available Apps section). To add the GHIN App to your watch, tap Install.
Q: I have the GHIN App on my Watch, but it will not sync?
A: If your Apple Watch and iPhone are not syncing, you may need to reset your Apple Watch's sync data. You can do this by going to the Apple Watch app on your iPhone and selecting General. Scroll down to Reset and tap it. Then go to your watch to click on Reset Sync Data.
Q: I have the GHIN App on my phone and watch and they are synced, how do I launch the Apple Watch features?
If your phone and watch are synced and you have the GHIN App on your Apple Watch, you will be prompted that you can use your Apple Watch after beginning a round in the “Play with GPS” flow or by clicking on the “GPS” button when posting a Hole-by-Hole or Hole-by-Hole with Stats score. When this prompt appears on your phone, open the GHIN App on your Apple Watch.
Q: While playing, my watch keeps displaying the clock. Can I update this setting?
Yes, you can update the “Return to Clock” setting within your Apple Watch App on your phone or Apple Watch. Click on General Settings and scroll to “Return to Clock” settings. From here you can set the default watch preference (for all apps) or you can customize your preference only for the GHIN App.
Q: Are the GPS distances based on my phone or my Watch?
A: When the watch is in Bluetooth range of the phone, it uses the GPS of the phone.
Q: After I finish entering hole-by-hole scores on my Watch, how do I post my score?
A: After entering scores, you will be prompted to go back to your phone to review and post your score.
GHIN Mobile App Push Notifications
Q: I received a notification that my score was edited or deleted, so why do I still see the original score in my score history?
A: If the score that was edited or deleted was a Revision Score, the original score will appear within your Score History until an overnight Handicap Index revision occurs.
Q: If Handicap Index revisions occur overnight, why do I not get the notification that my Handicap Index has been updated until 8 a.m.?
A: Notifications will only be sent from the GHIN Mobile App between 8 a.m.-5 p.m. local time.
Q: I allowed the GHIN Mobile App to deliver notifications to my device so why am I not receiving them?
A: To receive notifications, you will also need to ensure that you have enabled the notifications within the GHIN Mobile App. To do this, please go to My Profile -> Notification Settings.
Q: I enabled notifications within My Profile in the GHIN Mobile App so why am I not receiving them?
A: To receive notifications, you will also need to ensure that you allowed notifications to be sent from the GHIN Mobile App within your device’s settings.
On iOS, go to Settings -> GHIN Mobile -> Notifications to turn on notifications for the GHIN Mobile App.
On Android, go to Settings -> Notifications to turn on notifications for the GHIN Mobile App.
Q: I no longer want to receive notifications from the GHIN Mobile App, how do I turn them off?
A: You can either go to your device’s settings and turn off notifications from the GHIN Mobile App or can go to My Profile -> Notification Settings within the GHIN Mobile App to disable some or all notifications.
Q: On the GHIN Mobile App, how do you remove golfers from the Handicap Calculator?
A: On both iOS and Android devices, you can “swipe” to remove the golfer from the Handicap Calculator.
Q: When viewing another golfer’s scores within the Golfer Lookup section, why do I not see the date played or course played for their scores?
A: If you do not share a club affiliation with a golfer, you will only see month and year when viewing their scores within the GHIN Golfer Products.
Q: Why am I not able to find any golfers when searching within the Golfer Lookup section?
A: Please make sure you are only entering a last name or GHIN Number and have no "Filter" settings applied.
SOCAL Golfer
The #1 Southern California Golf Community
Welcome! Please sign-in to your account. Thank you!
What To Do If You Entered The Wrong Score or Information Into GHIN?
Like a good golfer you finish your round and immediately pull out your phone to enter your score into the GHIN system. After hitting “Post Score” you realize itt wasn’t the blue tees, it was the whites. Oh crap! It wasn’t April 1st it was actually the 2nd. What was I thinking?
Well, although it might sound like no big deal it actually is important to have precise information in GHIN. In order to keep the integrity of not only the sport but you as a person you’ll want to ensure your posted scores are accurate so that it generates a proper Handicap Index.
Being on it, you go back to the “Post a Score” page but there is nowhere to edit scores. Help!!
As a part of our club responsibilities we are here to edit any of your past scores for you.
Follow these easy steps and you’ll be all set:
- Send an email to: [email protected]
- Let us know what scores need editing by providing as much information as possible – date, score, location, tees.
- Give us the updated information so we can make the proper adjustments
That easy! Happy golfing!
Not a SOCAL Golfer or SCGA member yet? Join for only $49… the cheapest option there is available!!
6 thoughts on “ What To Do If You Entered The Wrong Score or Information Into GHIN? ”
Posted 2 scores should be 1
how do you delete a score
Posted wrong score on 6/21/18 front nine black 34 should have been 40
Posted a wrong score and wrong date and wrong course! 7/13/18 Los Verdes GC. I did not play Los Verdes on that day! Please delete this score!!!
I meant to post a score of 75 at Rio Hondo GC, Downey, California on 7/10/18! I played from the white tees!
Thank you very much!!!
Please delete my 8-29-18 entry. The information was not correct. It should read — 8-29-18 Glen Annie golf club , Santa Bárbara , men’s combo green/white, score , 98 .Thank-you.
How do you change courses played to line up with the right tees on GHIN if it doesn’t show it in recent or favorite?
Leave a Reply Cancel reply
Your email address will not be published. Required fields are marked *
Notify me of follow-up comments by email.
Notify me of new posts by email.
- Events & Rules
- Course Rating & Handicap
- Memberplanet (Member Management Solution)
- NCGA Club Tournament Management powered by BlueGolf
- USGA Admin Portal
- USGA GHIN Mobile App
- eClub Refund Form
- Help Center
Why is my Handicap Index not changing?
You may have posted a few scores recently and expected your index to move up or down. if it hasn't, there may be an easy answer why..
The magic of the USGA's World Handicap system may also be the reason that every time you post a score, your index doesn't necessarily change. This is because The system doesn't use every score when calculating your handicap index. The calculation takes into account your 20 most recent scores, and of those 20, the best 8 scores (lowest differentials ) are used to determine your Index.
This means, that your best 8 scores of the 20 might have been a pretty long time ago, depending on how frequently you play. If that's the case, then any new scores posted will probably affect your Index. This works in the inverse as well. If you post 8 really good scores in a row and then shoot a handful of bad scores, your index won't move up because it's still being calculated from those 8 best scores out of 20.
If you are curious about which scores in your most recent 20 are being used to calculate your index, take a look at your scores in the GHIN app or on ghin.com . Also a reminder that your Handicap Index updates every night around midnight.
For more in depth knowledge of handicapping, feel free to read through the USGA Handicap Manual
GHIN Change Summary
For golfers:.
New Score Types
- P - Penalty
- C - Competition
- N - Nine Hole
- E - Exceptional
Additional Score Entry Options (Mobile, Web, Kiosk)
Golfers will now have the option to enter hole-by-hole, front-back or total. In addition, golfer can track fairways hit, green in reg, putts.
New MY MGA Mobile
New WHS features include, round statistics; hole statistics (fairways, putts, GIR) additional score entry options.
Daily Revisions
Under the Rules of Handicapping, a Handicap Index will update the day after a score(s) is posted. All golfers must check for an updated index prior to their round and be aware of course handicap changes. It will be extremely important that scores are submitted immediately after a round so that all handicaps are accurate.
Nine Hole Golfers
A 9-hole golfer today in the GHIN database will be converted to an 18 Handicap Index profile. An 18-hole Handicap Index will be calculated if the golfer has at least six 9-hole scores posted.
To ensure that a player has only one Handicap Index, and to easily identify the golf club or golf association with authority should issues arise, a player should have one Home Club.
Unique Golfer Profiles
All golfers will have the ability to use new enhanced statistics though the web and mobile app. If provided, all golfers must use a unique email address. (Husband and wife may not share the same address). (April launch))
Club Administrators All clubs will have a single administrator upon launch. Each club will then be able to self manage and add additional administrators after launch.
Service Removal When migrating existing club data into the new platform all services will be removed. Existing services will roll up under a single unique club. Clubs will be able to use the new Groups feature to segment the membership roster.
Software Program New Score Entry Program and club Admin Portal for managing member handicaps.
Junior & Children Golfers A junior will be any golfer under the age of 19 and must be properly identified by valid birthday. Any golfer under the age of 13 will be required to have a parent or guardian identified for these golfers in accordance with the Child Online Privacy Protection Act (COPPA).
Club Numbers All clubs will have a new, unique club number auto generated upon on-boarding.
- Log in to post comments
IMAGES
VIDEO
COMMENTS
To look up a GHIN number by name, visit GHIN’s official website and use the lookup function. You will need the golfer’s name and the state or country of golf club, if known. The link of the official website is http://www.ghin.com/lookup.asp...
You may have heard someone refer to a score as a quantity and wondered what it means. A score is 20. Although people don’t use the term much anymore, you can find examples of it in literature and history.
FICO's newest model takes a long-term look at how you've managed credit. FICO, the credit-scoring giant, is adjusting how it calculates its three-digit key to your creditworthiness. Consumers who have rising levels of credit card and other ...
Once you have posted your score, the GHIN software does not let you change your score. If you need a change to your posted score, the handicap committee or
A. Simply reach out to someone on the Handicap Committee at your club. That person will be able to correct the posted score.
A: You can edit Stats as well as add Stats to a hole-by-hole score posted within the “Stats” section of www.ghin.com or the GHIN Mobile App.
As a part of our club responsibilities we are here to edit any of your past scores for you. Follow these easy steps and you'll be all set: Send
This is the first of a 3-part video series covering the ways you can post scores in the new GHIN system. Here we cover how to find your
To re-post the scores, go to Round > Post Scores to GHIN. Adjust the score type to the correct option (i.e., Home, Away, Competition) and click
entry method to assist players when posting scores.
You will need to contact your club's handicap chairperson as he/she is responsible for editing/deleting members' incorrectly posted scores.
If you are curious about which scores in your most recent 20 are being used to calculate your index, take a look at your scores in the GHIN app or on ghin.com.
Under the Rules of Handicapping, a Handicap Index will update the day after a score(s) is posted. All golfers must check for an updated index prior to their
Editing a Score ... Once you locate the score to be modified, press the “Edit” link at the end of that score row. ... A modal will open which will