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What does the term: “possible credit abuser” mean in the terms of a collection agency?

I just got a status update report from the credit and collections company that I work with. I reported several people who owe money to my corporation a few months ago. One person is listed as “possible credit abuser.”
What does this term mean?
Serious answers please. I would prefer to hear from people either in the business of collections or credit reporting.

The term “possible credit abuser” refers to someone who may do any of the following: (1) May be routinely late on payments, (2) May get credit cards and run them up to the limit, (3) May have too many credit obligations as compared to their income — like a house payment, two car payments, and several credit cards where the monthly payments exceed half their gross income. This is in contrast to someone who is listed as a “credit risk” because those people usually have repossessions and/or foreclosures on their record, or they usually have credit obligations that have been referred to collections agencies.