There have been multiple examples in the past in which negative trust was removed after no-collateral loans have been repaid, and when stolen money has been returned to it's rightful owner. Often times a neutral rating replaces such negative rating, however this is nowhere nearly as detrimental as a negative rating.

I don't understand the logic that someone who has caused no monitory loss should be labeled a scammer when someone who took money and later returned it late is not.