Other than that, the flaw I see is that the borrower did not participate in any signature campaign. He was a member, i.e. lower rank but the loan was low as well. If he came from a time of inactivity it is another red flag, but if he had at least managed to participate in a paid campaign when he asked for the loan, he could have been making $40 or $50 a week, so it would make more sense to pay back the loan in order to continue earning money on the forum. And yet, there are times like that when people scam.

Anyway, I am tagging him too.