Subprime lenders have moved a bit further up the credit scale in their quest for new business and profits, targeting borrowers with strong payment histories who just miss qualifying for conventional financing. "There are competitive pressures for moving this way," said Greg Schroeder, vice president of wholesale lending at New Century Financial. "There are companies offering this product and doing substantial volume." The California-based subprime shop recently took the wraps off its "Prime Alternative" loan