Issues with "downstairs" area, can't "pull it back"

Hello. i hope it is okay to post this on here. But for the last few days, I’ve been having issues 'down there '. when i try to pull back on the foreskin, its really tight and i can’t ‘pull it back’ as its painful. It’s been worrying me but I cant find the time (or maybe courage!) to go see my doctor. has anybody got any suggestions to what it could be and what i should try?
thank you for any help/advice