Does this look like a wart or HPV or even a skin tag.

Hi, I've had a lot of anxiety lately and am constantly checking my genital area after unprotected sex in May. I am not 100% sure it was there before or not and have been to the GUM clinic to which I was told it was not a wart, just a skin tag. Can anyone give me some advice on this. I will be going to see a consultant soon so will hopefully get a final answer. The white dot on is on my frenulum, sometimes it looks more prominent than other times. I also tend to wear tight pants.

image