Yes, any and all of that could.
Really, the vagina is like a self-cleaning oven. It has a very delicate balance of good and bad bacteria, and they keep the other in check. Go too much one way, and you get yeast. Go too much the other, and you get bacterial vaginitis (BV).
If you feel like you need to do more than let it be, just use a washcloth (not any soaps are needed) and wipe the external skin clean. Internally, it's cleaning itself.
No perfumes or scented anything (body washes, soaps, detergent, fabric softener, etc.), wear 100% cotton panties, use only white, unscented toilet paper, etc.
I have a feeling that this musty smell is something you smell but no one else does? If your vaginal odor is strong enough to come through jeans, it could be a sign of infection, like BV, which needs antibiotics from a doctor. It's normal to have some odor - your doctor can tell you if what you are smelling is normal.