Both cat and i have ringworm and being treated with topical creams. but my ringworm continues to spread, including on areas covered by clothes. help?

Unusual: Your problem may not be ringworm but from something in your clothing if the only involved area is covered by your clothing. New clothing may have been treated with formaldehyde which you may have problem with or it may be from your laundry detergent / anti-static agent. Make sure that your washing machine is rinsing correctly. See dermatologist if problem continues.