Scabs on my cat?

Our cat, Chloe, is about a year old. We adopted her from a shelter when she was a kitten. She’s fixed, has all her vaccines, and tested negative for feline leukemia and all that good stuff. She’s never been sick, thrown up, or even had diarrhea.

A few months ago, we noticed a couple of fleas on her (she’s an indoor only cat, but got out for a few minutes once or twice). We treated them and they quickly went away, but she was scratching a lot for a few days. We trim her nails every so often, but they grow pretty fast. Shortly after the flea situation, we noticed what felt like a scab on the side of her neck. Since she was scratching so much in that area, we figured she scratched too hard.

Recently, I noticed it’s still there. I call it a scab, but I’m not sure if that’s what it is. It just feels like a scratch – hardened area of the skin. It’s not bleeding, it’s not filled with puss or anything, and it doesn’t seem to bother her at all. Today, I noticed another small one on her side. It feels the same and I’m not sure if it’s been there for awhile and we just noticed or if it’s new.

Her behavior hasn’t changed at all. She’s still eating well, playing, etc. She hasn’t lost weight or anything either. We can’t afford a vet bill if nothing is wrong, but I’m wondering if we should take her anyways or if it’s alright to wait. What could this be?