Good advice, Helen. I had trouble with ringworm several years ago & my vet checked the spots with the Wood's lamp & told me the cats were negative - after I started getting spots I took them back - turned out they had a kind that only showed up on culture!
If the cats are negative, it's possible your daughter picked up the ringworm from the garden, or at school. In the meantime, be careful not to let her touch the cats with that spot, and to wash all the linens in hot water, and not share towels. In case it came from the cats, be sure to wash your hands thoroughly after handling the cats.