Having the excess skin removed is usually the only permanent solution. You may want to go into your doctor to make sure you don't have a yeast infection forming between the skin folds. It's very common with extra skin issues.

Jock Itch spray works.

I had some between the cheeks of my butt. I rubbed it raw doing floor exercise and the lose skin rubbed together causing a bad break down. I also sometimes break down in my belly button. I use a fungul cream and it works well, sorta like the jock itch stuff but a cream. I suggest you go to your doctor, I don't have enough skin hanging over to need surgery but some people if they keep having issues their insurance may pay part or all of the removal. It is a good idea to have these issues recorded.

There is actually a product on this site call InterDry. It puts a dry sheet between the rubbing skin. You can actually order a free sample. Until you can do somthing permenant about the problem , it will keep you from getting rashes. Hope that helps.

Sounds fungal....def try a antifungal powder...not cream as that will keep the moisture in...hope it gets better...FAST!

I agree with other posters, try an anti-fungal powder. Wash with soap and pat dry, then load up on the powder, like Lotrimin or Desenex. (or any powder that says it's for athletes foot) I had the same issues under my breasts and belly fold, if you use the powder consistently it should help.