Foreskin will not retract?

I'll make this quick and to the point. Yes I have considered getting circumcised. Currently, I'm seeking other options due to money issues and that I rather just leave it alone. My doctor refuses to give me the foreskin cream for stretching for his own reasons, none of which I believe are backed by actual fact, just his own opinion. Three years ago I was able to retract, while erect, it about an inch or two past the glands with no issues at all. Now it wont even reveal my head completely. I don't have issues while flaccid, although it doesn't go past my glands. The tip of my foreskin has been red for a while (2 years or so). I read that it could be a bacterial infection, but I'm not sure (note that my doctor(s) have never said anything about it and said I was healthy down there). Could this have anything to do with tightness? I thought that this redness could have to do with masturbating too much or too violently (not in my case just in case). No it's not a STD(I). I'll have another doctor look at the possible infection. If the tightness is just Phimosis, I'll get the cream or start saving up for the surgery. Any answers are appreciated. Please keep your religion and pro/anti circumcised opinions out of your answers. Thanks!