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Is she consistently sexually unfaithful to her SO in relationships? If so I would think it's accurate to refer to her as a slut (it's still not a nice thing to call someone).
A male who does the same thing as I mention above is a dog, rather than a slut. (need a better insult than that since to quote Wanda Sykes, "I get mad when men are referred to as dogs. Dogs are loyal.")
Does she sleep around a lot? Then probably, depending on the specifics. (I would tend to judge on a case by case basis if asked)
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