Quote from: Apocollapse on May 27, 2023, 07:38:58 AM

Quote from: Gladitorcomeback on May 27, 2023, 12:44:59 AM

What will happen if this user now apologize and and repay the loan , will Negative change to neutrel (asking just for learning purpose)?

Yeah, why not?

Lol, I don't think it's going to happen here. He has been caught with so many alts and now to save his alts, if he wants to send the defaulted fund back, that doesn't make him honest. It will be a fraudulent activity on top of cheating.

Quote from: shasan on May 28, 2023, 01:52:34 AM

My observation is that no one with a single account will default such a small amount which is evidence of the defaulter. But it is not an easy way to find out who has an alt account and who has not. On the forum, we can't nothing judge which can save us. I have seen two users defaulted on the loan of Direwolf who has good rank as well as merit ranking but defaulted. So, we have nothing except to accept this type of loss until there are alternative accounts that are decreasing by being banned and defaulting on loan.

I see a service opportunity here. Someone can offer a Credit Rating service here for a % fee from the lender. Though it's risky considering the service provider is liable for a defaulted loan.