Here is why I think USTA and club ratings differ: In USTA, match results are official, and there is national competition at stake, therefore players would rather play at a lower level to encourage better match performance and the opportunity to play in nationals. NOTE: This for some strange reason does not apply to women, because women would prefer to have a higher rating on record than to sandbag their way to nationals. Hence women are more likely to overrate in USTA play. At the clubs, there is not much at stake other than your results posted on the bulletin board of the local club. But at the clubs, everyone wants challenging competition, so they rate themselves higher in order to ensure that they are playing against better players. So the dilemma I find is that right now I'm playing at 3.0 in USTA play, which is fine because I have found some good competition, but whenever I advertise my rating for any non-USTA ladder, league, or classified looking for partners, I have to say that I'm 3.5 otherwise I will get stuck playing against very weak players. And so the cycle continues. So basically when someone says they are 3.0 or 3.5, it could really mean absolute beginner up to 4.0. Anyone find themselves in this annoying dilemma?