Today I noticed that the area inside my belly button was red and had some crust on it. Should I be worried?

When I looked at it it was red and had white crust on it. I did not know what it was so I started taking it off, I didn't use my nail just my fingertip. It has also had a foul odor for as long as I can remember but there hasn't been anything else as far as puss or bleeding. Is this something I should go to the doctor about? Or could this be treated by using rubbing alcohal daily?

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