I did not understand the forum, asked for a loan here and thought it was easy, but there is no easy money.
You answered your own doubt.
If you want to borrow money, read the rules of the service, make sure that you have a collaretal and then ask for a loan.
"Collateral". Make sure you go through what is considered as valid collateral before you ask for your red trust to be changed in future.
Better be active for more than one month to remove all suspicion from yourself!
Being active in the forum is not equal to being trustworthy to get a non-collateral loan. There are many scammers in this forum who are "very" active. @TMAN will be able to tell you more if you want to bear it. The forum does not prevent scammers from operating unless they break some forum rule which they wont, which is why you being active has nothing to do with it.
Whether your rating gets removed is the decision of the person who put that rating.