What are some opinions out there on the accuracy of tennis record? Many ladies in my area are so focused on it - yet it doesn't seem accurate to me at all. I'm currently a 3.5C player - have been for 4 years. Most all of my losses to comparable 3.5 players were in a tie break where we lost by 1 point? Yet I'm rated in TR as a 2.91? Does this system take a 3 year average like USTA is supposed to?