Both are fine. I would probably use the first one though as it sounds more current. Whereas the second sounds as if she no longer has trust issues.

Either one is fine.

You said it right the first time Nicole; "She has trust issues."

Yes, the first one is better - clear and unambiguous.

what I understand, has comes for present perfect tense means she still not trust her/him had for past She had a trust problem means in past she not trusted on him/her but now she trust. I am also improving English, lets see what the answer says..:)