I was going to suggest that it might be thrush too. If it is none of the other sort of creams will make it clear up. You need to use an angti fungal cream, I would NOT use athletes foot stuff on my baby's bits, They are far too sensitive, I wouldn't put it near mine, thats for sure.

Go to your GP or even the Chemist to get them to have a look at it for you. Also let her go without a nappy as much as possible. Fresh air will do her wonders.

Good luck and a huge cuddle for your little princess