If you consistently repay loans late then you have to accept that the neutral ratings are fair. Potential lenders might not be happy getting paid late & I doubt you tell them before the loan Ill probably repay late. If you did it might determine wether theyre willing to lend to you or not so absolutely the neutral ratings are fair.
The negative ratings are determined by who has given them, I can see why some have left you red trust but I deemed neutral as enough for now.
Just stop repaying loans late & you wont have to worry.