My underarms and my groin area is very dark in complexion. is there any way to lighten the skin tone in my underarms and groin area?

Acanthosis nigricans: Are you overweight? Are you non-white in ethnic background? If so, you may have something referred to as acanthosis nigricans which is a skin thickening in areas such as the neck, axilla, elbows, and groin. There is no bleaching or laser treatment for this condition. Weight loss is the best treatment. I would recommend getting worked up for pre-diabetes as well.

Hyper pigmentation: This is most commonly the result of chronic friction, heat and moisture in these areas and is very common. Fungal infection can be ruled out by an examination, which I would recommend before any treatment is given. Bleaching creams may help if used for prolonged periods of time, but can irritate so proceed slowly.