I had something similar. It happens like you say with reputation issues, If you just hurt one freeside person then get back up in karma they won't trade with you.
You just have to hope that you didn't mess up your rep a long time ago and load an old save.
Well I was always able to trade with them, in fact I DID trade with them right before that discount [censored] came up to me.
According to the Fallout wiki the only way of avoiding this is running away from her. Killing her will make Mick and Ralph permanently hostile.
I'd reload but while trying to fix my FPS issues I thought it'd help to delete all the useless save files.
(I did and it works alright so far...)
My main backup load is after this.
My Fallout New Vegas experience is snowballing into a [censored]-storm.