I've left 2 neutral "no loan" tags so far. If someone ever asks me to remove them, I'll require a signed message from an old staked address, and I'll probably wait for 30 days (a cooldown period).
Why wait 30 days after someone has signed a message from an old staked address to remove a tag? You should assume that the person making such a request may be in desperate need of a loan.
A signed message is enough IMO.