Some people don't like to just delete their negative rating, some rightfully so. Although the neutral rating is a thing, most people prefer to keep the big red "negative" trust for years. For people in situations like you've given an example for, the trust rating mostly serves to warn people who are planning to do any business with the member. A negative trust might be bad in comparison to neutral trust, albeit more efficient.

Looking back at the negative trusts I've given in over 7 years, I see none that requires any rectification. I do also have some "defaulting on loan" neg trusts. After checking their profile I see that they literally vanished around the same time the trust was given. Not to mention it's a hassle to constantly check your trust list to see if someone is back on the track. I would say that if there is anyone out there who solved their problems regarding a previously given neg trust, they should contact the person who gave it, rather than complaining per se.

But for over 95% of the time, what Lauda has said is correct. Don't abuse the forum (don't violate the rules, don't find loopholes to give yourself an advantage etc.), don't get tagged with red trust.