Contrary to popular opinion "Ringworm" is NOT a worm.
The term "ringworm" or "ringworms" refers to fungal infections that are on the surface of the skin. The early belief was that the infection was due to a worm, which it is not. It is a result of a fungus infection. Nevertheless, the name "ringworm" has stuck. Some of these fungi produce round spots, but many do not. On the other hand, many round spots are not from fungus. A physical examination of the affected skin, evaluation of skin scrapings under the microscope, and culture tests can help doctors make the appropriate distinctions. A proper diagnosis is essential to successful treatment
Some fungi live only on human skin, hair, or nails. Others live on animals and only visit humans sometimes. Still others live in the soil. It is often difficult or impossible to identify the source of a particular person's skin fungus.
Heat and moisture help fungi grow and thrive, which makes them more common in skin folds such as those in the groin or between the toes. This also accounts for their reputation as being caught from showers, locker rooms, and swimming pools. This reputation is exaggerated, though, since many people with "jock itch" or "athlete's foot" are neither jocks nor athletes.
For a long time, the only effective antifungal tablet was griseofulvin (Fulvicin, Grifulvin, and Gris-PEG). In recent years, newer agents have been introduced that are both safer and more effective. These include terbinafine (Lamisil), itraconazole (Sporanox), and fluconazole (Diflucan). Reputations die hard, however, and many people continue to fear that even these newer agents are "bad for the liver," when in fact they are quite safe when used properly.
I had it too.... (from a tanning bed) YUCK!!!! Just a small spot under my arm. The Doctor gave me Grifulvin (I never took it).... I just used OTC Lamisil. It is HARD to get rid of as it usually thrives on moist warm areas.
I would try the Lamisil and you have to be faithful about it.
Make sure to take a bleach cleaner and give your bathroom a good cleaning. Wash your sheets. Do not wear clothing more than one time