Good + Bad
The anatomy of the body and the shading are great. There's also a lot of nice details on the underwear.
However, her face looks terrible by comparison. The lips are far too big and too close to the nose, making her look as if she had a medical condition that caused swelling. You may only have to fix the lips, since everything else is well-done. Unfortunately, good body or not, the inaccuracies in the face are distracting from the image as a whole, which explains why the score is under 3.