Help! When I was 14 I started my period [September-ish] and in January i started getting this itching, burning, feeling and it hurt to pee–it felt like i had to go, but when i went barely anything came and it burned! It would come and every couple months. My periods still weren't even regular yet. I know it's was stupid but i started being sexually 'playful' with my boyfriend–which lead to being sexually actuive. and the iching, burning, and everything became a bit more frequent, ever 2 or maybe 3 months, and the symptoms would last about a week. and by now I was almost 16.
My boyfriend and I stopped and we know it was stupid and wrong, and we've completely taken care of that, even with our parents and everything so you don't need to lecture me on that, please. I thought it was a yeast infection around this time so i took some like couple day thing to fix that and used the cream to stop the pain and itching. it went away then, but came back a month or two later.
It wasn't consistent, and still isn't, but i never wanted to go to the doctors because i was scared. so at this point in time it's been at least two years, and it comes and goes.
I started thinking it was a urinary tract infection because all the symptoms for that fit me. and I talked to my dad about it–I'm closer to him then my mom. and i said it would go away and be gone for like 2 to 3 months so it wasn't a big deal. but he was willing to take me to the doctors and said i should get it checked out.
Now I'm 17 and I'm still with the same guy, and we both have only EVER done stuff with each other, and although it has been over a year since we had sex, we still will play around occasionally but we are always REALLLY careful, like even when we did have 'sex' we would always pull out before he even exploded, not mattter if he had a condom on or not. [so i don't even know if you could call that sex to begin with but whatever.]
but right now I'm really scared because today it was itchy, but i went to the bathroom and was totally pain free, but before i went to bed i noticed it was really red, which is unusual for me. Then I noticed on the inside of the 'lips' or whatever you want to call them, there are white dots. I know normally there are bumps in the skin[[not huge or anything]] but now the inside skin is bright red, and the bumps are a white-ish color.

I'm really scared, I don't know what's wrong with me.
My boyfriend knows, and my dad knows most of it, but i just don't know what to do.
I have always said once i turn 18 i'll ask the doctors about it, but going from 14 to 18, would it get worse and turn into something really bad?
I'm scared I may have waited too long, please give advice, besides just simply going to a doctors.
have any of you ever had anything like this?
I mean I have researched it and i know some women get yeast infection every single month for there whole life, am i just that unlucky. :[ Or is something really bad wrong with me
I'm the type of person that jumps to the worst conclusion first, so i reply with your knowledge or opinion would be greatly appreciated!!