I'm 13, and theres two little eczema like rashes under my belly and right above my "area"

this is has been there for a month or so,

and now today i noticed a VERY tiny (pimple sized?) area on my nipple that isn't itchy but is flaky and looks more like eczema than the rash below my tummy. 

the rash below my tummy isn't flaky, it's more like just a pink area.