WHat Does A Itchy Rash On Waistline Indicate?

Question : Im having troubles lately with a waistline rash that comes and goes. It starts at my waistline and goes down to the start of my pubic hair. The itch is mainly mild but the irritation has its good days and bad days. Sometime its very red and some days its a light pink. Nevertheless the irritated area has a red ring around it that would remind one of ringworm. Somedays the ring isnt very defined and other days it is and associated with an itch. Lately ive been noticing small dime sized pieces of flaked dead skin and this usually on the more calm days with little or not itch and irritation. If i scratch the itch it feels great for minutes until the irritation flares from scratching then it becomes a total discomfort, and might i add, its quite an eye sore to look at. Any knowledge on this would be greatly appreciated!! This is something i hope to be able to get rid of immediately as long as over the counter supplies will suffice in your opinion. Thank you very much!

Unfortunately Dr., I seem to only remember to use the creme at a time of flare-up in irritation.. The photo i have taken is of my right side waistline and upper right hip. It seems that im having complications in sending the photo, is there an email address i can send it to? Copy and Paste method isn't working from my XXXXXXX device oddly enough.

The photo shows delivered.