Same situation for me, I recently got a 650USD loan which should be a quick payback, but I''m sitting on 1000 in coins right now. so I know I can pay it back, Would rather not cash in coin's for money though
Building rep has a lot to do with your involvement in the community as well! Don't be a weenie.
Reputation, doesn't mean your post count, they may be called 'hero members' BUT that doesn't mean a thing.
I could get hero status within a couple of days if I really wanted too.
Whenever, you are looking to build reputation think about it first.
Be prepared to answer all questions and provide any identification if its a big request.
Also, going back to the OP, if they have done many different loans and have repaid ALL, then that doesn't mean one day they see a good opportunuity to get coins and retire on them. always beware.
If your dealing with ANYONE, always do a background check, if you can't find any information, ask around with people who have done past dealings.
I always keep a record of past scams or 'close scams' where the seller/buyer was very late in replying or paying.
You have to beware of everyone on the forums.