NO, its time that makes the dings have less impact.
Actually the formula for calculating credit scores is secret, and you do not know how specifically a credit score will change given a set of changes, and the credit bureaus periodically change the formulas.
If marco wants to continue to get loans, he's going to need to pony up the collateral.
I don't think you are in a position to dictate to others what terms they can conduct business on. People are free to give loans on terms deemed acceptable, no matter how risky or ill-advised.
he was a week(?) late
I have many more borrowers who makes late but usually, I do not disclose that. I have sent a loan and that is 2 months late. But I have not posted that also I have another loan 4 months passed from the repayment date but I have not posted that too.
If these people are late, they may decide against trying to repay you after seeing the risks involved in paying late. I am not against putting a negative on someone who is late on a loan in order to pressure them to repay quickly, so they can get their negative rating removed, and maintain their reputation.
Marco might be honest or not but base on his/her recent activity I can't believe him/his.
I don't think marco is a particularly trustworthy person, and did not fill any of his loans after he sent me unsolicited PMs asking me to. I do not advise others to trust him. I also posted at least warning in one of his lending threads against lending to him. Marco has been involved in a lot of shady business over the years, but I am strongly against leaving ratings based on speculation, and when there is no (longer any) harm. I don't think you can call these loans a scam attempt because he was given the money, and eventually repaid.
Perhaps you are trigger happy if someone is able to resolve their rating after doing so little. Maybe voicing your concerns would have been more appropriate.
Leaving a negative up after someone is late repaying a loan will remove the incentive for someone who is late on a loan to repay in the future.
Perhaps you have zero knowledge of the underlying facts unless you're marcotheminer. How could you possibly know if it was "little" or not, and if I voiced my concerns or not?
Perhaps because I told him to PM you when he asked for advice on how to deal with the situation (I did after he did). And I noticed the amount of time between when I advised him to send a PM and when all of the new ratings were removed.