Yes. The scammer tag is removed once reparations are made, but AFAIK, there isn't some type of arbitrary time period. If a defaulter comes back with a plan and is trying to make amends, the scammer tag is not usually applied.
Yup. Not only that, but we will typically even provide people with the scammer tag who are trying to work it off with free escrow service. Of course, almost everything that comes in on the escrow and successfully released is directly used to pay their debt, so don't be going out of your way to become eligible for this free service...