Stretch Marks

I am 36w 3days still have yet to get any strech marks thank God🙏🏾, but I have this rashish dry skin on my boobies and it has spreaded to my back, and I've been moisturizing myself every since I knew I was pregnant using palmers, bio oil, coconut oil just anything you name and it will not go away. I also had a rash on top on my belly below my boobs but it has went away. I'm just curious if any other moms experience this before or are?