Hi Karen - I'm not a doctor, but from what you discribed, it does not sound like ringworm to me at all. Sounds more like flea bites and or bedbugs - but let's not get into that! Lol - ringworm for sure on humans has a round ring and you shouldn't have any doubt if you indeed have it by now or not. My incubation period was a little under 2 weeks when I first brought Jonah and Jacob home. And then boom! And it itches! If you can get yourself to a dermatologist to confirm that would be good. If its not ringworm, antifungal cream will do nothing, but it won't hurt you. Just make sure you and milo have a proper diagnosis because whatever it is it needs to be treated properly! My best -