The most important difference is that a Record is hard wired to a table when it is declared in the code, while a RecordRef can change its table during runtime, e.g. based on a setup table.
Check this example from the docs:
docs.microsoft.com/.../recordref-gettable-method
The variable GLAcc is hard wired to „G/L Account“, while the RecRef variable is set to a table using the GetTable method.
If you have a specific issue/question, just ask
