Please identify this - should I visit a doctor

I had this growth or wart for almost two months now since I first noticed it. I didn't notice any increase in size or anything similar to it around. It's between my thigh and scrotum (thigh pit - not sure what it's called) anyway I hope the pictures are clear enough one of pictures I'm pulling the skin aside and the other is just relaxed skin. Sorry for the long post thank you in advance

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It’s just a skin tag, nothing serious.

All the best

Thank you very much. it is really a relief. much appreciated.

i would double check with a dermatologist .

Looks like a wart to me. Still an easy size to freeze off

Update.. I went to a dermatologist

Yesterday I shaved and went to see a dermatologist. I explained to him before I get undressed that I have a small growth in the genital area. When I got undressed he told me in few seconds its genital warts even before he saw it because he saw a big one that I thought it was a mole. I told him that it’s not the one I came to check he took a look on the small one and said it’s an infection from the big one caused by shaving.he checked around for other ones but didn’t find any and told me that I should stop using razors and use scissors from now on.

He said that both can be removed by laser in 30 minutes but I didn’t go through and requested to come back later for the laser treatment.

Anyway what is confusing me that the big one, the one I thought is a mole is with me since childhood and I always thought it is just a mole it got bigger when I became an adult but it was unnoticeable growth and i thought it’s because I’m growing .

How can I get hpv without being active sexually? (I’M 28 and my first sexual encounter was in 26 my first memory of this “mole” when I was 7 before puberty )
The doctor said that it can be transmitted in other ways like touching but I couldn’t find any website or article that confirms it.
What do you think?

I’m a little afraid of the laser operation the doctor said its painless with local anesthesia and the mark will heal in 10 days with a prescription cream.
Did anyone try it before? will it start coming back faster and spreading if I did the laser operation?

Will I be able to get married and have children in the future? How dangerous is it?

Sorry for the long post I’m confused and I have too many questions. (picture of the big one attached)