What is this redness, dryness, and bumpiness?

Me and my wife have been sexually active for eight months now. We have never used protection, from the beginning. We have also never had a problem with our "equiptment." Until, now. About two weeks ago, we noticed a small, red, dry spot at the tip of my penis, next to the hole. We are both very concerned, and worried. However, I have been very afraid of getting checked and finding something permenently wrong with myself. So, I have not gone to get checked. That's not all. The day before yesterday, we had vaginal intercourse, and when we finished, we noticed a very red, bumpiness all over the head of my penis. There is a slight burning sensation to the rash. Now, I have woken up. I do not know what this is. And, I would like to find out very soon. Any help?