Hi Becky,
It could be stress or a number of other things. Have you had a whiplash injury? Or a neck/back injury? I have similar pains, headaches and neck probs and have had facet block injections which help. My discs are bulging but the dr's think the problem may be pressure on the facet joints which does not necessarily show up on the mri or ct. Have you seen a neurologist? I would look into things further if the pains continue. Good luck.
Mel