A newbie account can be created in a matter of seconds, for free. And of course has no trust rating!
These kinds of account are excluded from all activity where you can earn something (like signature, giveaways, free raffle, contest), so even if you get a red trust it doesn't change nothing. It's more profitable a loan default than any other activity for this rank!
Just create another one and restart everything from the scratch.
An account established (like some one that spend a lot of time here, has trust, recognition, earning some bucks from several activities) it's really hard (and even impossible) decide to scam for such amount since it's more "valuable" as time/possibility/ etc etc their trust that some bucks.