Is staying out of debt, legitimacy?

[Quickseller]

Fair enough. Shouldn't have fucked up but here we are. Life goes on anyway, will keep working at it.

1st time a decent attitude has come across in your posts.. This will be the only way to get any tags removed fella, time and a great attitude with different behavior

Indeed. So (marcotheminer) please stop trying to take on new loans. Despite many warnings that it's shady behaviour at best, you kept making new debts and continued to prove everyone right by paying back late.
I'd be happy to remove my red tag if you don't ask for money for 6 months (I don't think -2000 or -1000 makes much of a difference anyway).

regarding TMANs post, I don’t see what attitude has to do with the trust system. It seems that TMAN is saying his trust will improve if Marco gets along with those are in charge of the trust system.

For a group of people who claim to be experts in finding scammers (based on how many tags they hand out), you are all very bad at articulating why someone looks untrustworthy. My opinion is that Marco looked somewhat suspicious and a bunch of people decided to tag him, and some more decided to pile on.

Taking out many loans is not necessarily suspicious. Being late (even 2 times) isn’t a big deal so long as the lender is duly compensated. If someone has 2 late payments on their credit report, both showing the payment 30 days late, they will probably not be ineligible for a “prime” loans — that is a loan on the most favorable terms a bank would offer.

Don’t get me wrong, there are a lot of other things that make Marco look untrustworthy, primarily increasing the amount of money he is asking to borrow at a time.

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[TMAN]

@qs Marco admits to fucking up, anyone who makes a statement like that deserves a little bit of recognition in my book, plus with so many other tags it’s not as if he is totally off the hook based on a single removal

[LoyceV]

regarding TMANs post, I don’t see what attitude has to do with the trust system. It seems that TMAN is saying his trust will improve if Marco gets along with those are in charge of the trust system.

It's the first time I saw marcotheminer admit he was wrong, which could be the first step in changing his ways.

Don’t get me wrong, there are a lot of other things that make Marco look untrustworthy, primarily increasing the amount of money he is asking to borrow at a time.

That is exactly why I tagged him.

[marcotheminer]

@TMAN: thank you for that.

@LoyceV: I realised asking for a larger loan was unlikely to be filled - I did so because the circumstances asked for it. I was ready to reveal everything to the lender (it would've even been possible to have them work on it themselves).

Putting that aside, QS makes some good points. I agree with this too:

My opinion is that Marco looked somewhat suspicious and a bunch of people decided to tag him, and some more decided to pile on.

Though I cannot seem to come to a possible solution for this (as in forum-wide trust 'regulations'). It is natural to voice the concerns of others if you are even in the slightest agreement of what they have voiced-concern-over initially.

[DireWolfM14]

For a group of people who claim to be experts in finding scammers (based on how many tags they hand out), you are all very bad at articulating why someone looks untrustworthy. My opinion is that Marco looked somewhat suspicious and a bunch of people decided to tag him, and some more decided to pile on.

Taking out many loans is not necessarily suspicious. Being late (even 2 times) isn’t a big deal so long as the lender is duly compensated. If someone has 2 late payments on their credit report, both showing the payment 30 days late, they will probably not be ineligible for a “prime” loans — that is a loan on the most favorable terms a bank would offer.

My review of marco is pretty clear.  The two late payments (and at least one more since) aren't why I left him a negative review, it was because of the way he handled himself afterwords.  His lack of accountability, concern, and humility is what made me feel obligated to label him as untrustworthy.  The fact that he later started asking for much bigger loans didn't help his situation.  Being late on two payments isn't a big deal, in my opinion.  Everyone runs into hard times.  But there are other factors to marco's story which contributed to my skepticism.

I'm not counting marco out, I don't think he's beyond the point of having all of his red trust removed.  I'm hopeful the gift from jackg will help him get his financial situation turned around, and he'll be able to honor his pledge to pass on Jack's generosity.

I will not forget to pass on your generosity. Thank you Jack, enormously.