This is what shows in your trust ratings. If its in red, then its negative. Click on "trust" under your name while you post. Your Trust rating currently is -16. No chance of getting a future loan either. There are a few campaigns that take members with negative Trust. You should try those.
But my account shows 0/0. I don't see anything else. All these comments are bogus, I created the topic to understand, but there are people in cahoots as it turned out.
Go under your trust setting and check if default trust is on the list and trust level is on number 2. I see it red and everyone else too.