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A charge-off and a write-off are the same thing: A creditor decides you probably won't pay back the debt and stops you from making additional charges on the account after your account has become seriously delinquent. This can have a negative effect on your credit. On the other hand, a "transfer" can be neutral.(CRSCR, in the order we took notes on them, separated by commas) constitution. a document which spells out the principles by which a government runs and lists the basic laws, rights, and responsibilities that govern a country. rule of law. ….

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