Dear Ms Hughes,
With out being able to see these areas, I can only surmise that they may be a ringworm infection-a fungal infection known as tinea corporis. You can pick up some anti-fungal cream or lotion like lotrimin, and apply 2x day for 2 weeks. Selsun Blue can also be used for the shower. If this does not clear you, then see your provider for an exam. Make sure you use sunblock wheneveryou go out to prevent skin cancer.
Here is more info for you:http://www.mayoclinic.com/health/ringworm/DS00489/DSECTION=10
Thanks for writing Ja and I hope this helps, Take care, Paula
check out the picture of a ringworm rash on this link. There are several other rashes shown on this slide show, if the ringworm picture doesn't seem to fit. If it is ringworm, it can be contagious.