It seems that you are having either skin tags
Both the lesions are benign.
Verruca is contageous viral disease.
Both the diseasesbare treated in same manner.
Electrocautery under local anaesthesia is the best treatment.
It is cheapest and simple OPD procedure.
But, it should be done by expert dermatologist
Before that, you may be investigated to rule out DM, HIV,anaemia
and other internal diseases.
I hope you got my answer. Thanks.
Dr. Ilyas Patel MD