Kiplinger’s resident credit expert Lisa Gerstner tells you how to take on the credit bureaus in the event that there’s a mistake (or outright fraud) on your credit report. Sandy and Ryan give you (early) holiday budgeting advice. A new edition of Financial Fact or Fiction features discussion of mutual fund returns and freezing your credit card in a block of ice. --LINKS-- Earn extra cash for the holidays: https://www.kiplinger.com/slideshow/saving/T065-S001-20-ways-to-earn-extra-cash-for-the-2014-holidays/index.html; More ways to earn extra cash: https://www.kiplinger.com/slideshow/business/T065-S001-38-ways-to-earn-extra-cash-in-2019/index.html; Gift giving for the truly broke: https://www.kiplinger.com/article/spending/T050-C006-S003-a-gift-giving-guide-for-the-truly-broke.html; Keep holiday spending under control: https://www.kiplinger.com/article/spending/T050-C032-S014-keep-holiday-spending-under-control.html; Find missing money: https://www.missingmoney.com/en/; Battle the credit bureaus and win: https://www.kiplinger.com/article/credit/T017-C000-S002-battle-the-credit-bureaus-and-win.html; Should you cancel your credit card? https://www.kiplinger.com/article/credit/T016-C001-S002-should-you-cancel-your-credit-card.html; Rules for picking mutual funds: https://www.kiplinger.com/article/investing/T041-C007-S001-my-9-rules-for-picking-mutual-funds.html