S.T.
Hi B.,
Strangely enough, I had ringworm years ago in Mexico... all of us in the house got it because it is so contagious. We determined that it came from dogs. I thought I had escaped it, but discovered one on the back of my neck weeks after I had left that house! Maybe she was exposed during the fall or even summer.
The Mexican cure for ringworm is to apply iodine to the site. Another folk remedy is to apply raw garlic!
I applied antifungal cream and it worked great.
Hope that helps!
S.