Complete this one alongside the 'Playing for Stakes' trophy.
Adding Ghosts isn't clear if you're just getting started, so here's how to do it;
Go to the 'Play Now' tab and select local match.
Set up your course and rules. Select Skins if you want the Playing for Stakes Trophy too.
On the next screen, where you see the course selected and your golfer posing next to it, press
to add a golfer to your group - this is where you add the ghosts. Select from the list and repeat twice more to add three ghosts, and you're good to go.
Trophies will pop at the end of the 18th hole.