Issue with Torn Mesh in Blender

Clothing is vertex painted only with two colors:
3FFF00 - the skirt area, starting from the groin. Can be also found in the chest area on loose clothing, but it is not a big deal;
00FF00 - for everything else, including body parts.
If you arent sure how something should be done, check how it is done on a similar maxis garment or, better, transfer this data from it. Do not rely on the information online or custom content, it can be outdated. This yellow color hasnt been used in, like, 6 or 7 years ( and it wasnt used like this ), so this is the cause of the problem.

Other issues:
- a lingerie set and a dress are shaped differently in the lower body area and behave differently. When you're making a dress, you need to transfer weights, uv_1 and vertex paint from a dress of similar shape, not a lingerie set;
- the garment has very bad topology. It is chaotic and very dense, which makes the garment look and behave like crumpled paper. In MD model in quads and keep particle distance high or retopologize the mesh;
- try to delete all areas of the body covered by clothing. More free space = bigger uvs;
- bigger uvs in uv_0 = better texture quality. Try to utilize the space more efficiently. However, do not scale parts of the same garment individually unless the difference in quality is acceptable. You can make buttons or zippers bigger, but something made from the same fabric should be scaled uniformly;

The mesh isnt vertex painted.
If you transferred weights and uv_1 with Nearest face interpolated from the mesh used as a body, then the only way is to delete more of the body covered by clothing. Use Knife tool and cut the mesh, then delete unwanted

Hello, I've got a quick question. Is there a way that close underneath this dress? I know that EA dresses normally have that circular thing underneath skirts and dresses that allow it to close. I'm adding the blend file here. I used Blender 2.79.

Blender File

Literally was supposed to respond a long time ago and say thank you for this! I do have a question as it relates to meshes . How does one paint on a mesh? I know some creators use marvelous designer, but that mesh is separated from the body; others have their CC painted on. Is there a way to achieve this in blender? Or would I maybe need Z- brush?

Also, is there another software I can use to create clothing mashes besides MD? I haven’t been achieving the desired looks/ results with MD and wanted to know.