Because you are showing high risk for being newbie. You will understand the point of the negative trust if you will just widen your perspective. You are newbie while loan here is just trust basis since everyone is anonymously here. Honestly speaking, will you give a loan if someone new ask for it without any collateral and good track records in a trust basis community.

The only way to resolve this is to show that you are trustworthy person. Start by not asking unsecured loan. Just be a regular forum member until you build your reputation.