Looked at anther game (won't mention..) but anyways see the following:
'Skills in the beginning are very cheap, only costing one credit. I noticed some of the higher level skills cost considerably more. You no longer have to fear, though, that you will make bad choices. All skills can be untrained and skill credits will be earned back after a time. After you train a skill, you can then raise your adeptness at a skill by applying experience points to it. It becomes increasingly more expensive to raise a skill the more experience points you put into it. This system is very effective, allowing players to learn about the different ways they can choose without being hurt with a bad character creation.'
I think a way of unlearning but not resetting skills but earning the points back over time would be very effective.