Vaginal skin peeling

Hi,
I'm 15 and for as long as I can remember I've had dry, peeling skin mostly around my vagina near the labia majora and toward my buttock. There's slight peeling above my clitoris, on the part of my vagina that is visible when standing. Also I have really big thighs so I was wondering if it could be chaffing or eczema? Is the skin too delicate? It isn't itchy and it only gets irritated if I scrub too hard (which I know is probably normal with all females). I just want it to go away. I haven't been to a gynecologist yet. is there a type of cream or something that could help? Thanks!