Skin tag on the neck- can I..

I have a skin tag on my neck. It's right where the whole world can see it, and while I have read a couple different ways about how to remove it, I'm wondering how I can do it without causing a scar?

Does it usually cause a scar when they are removed?

Can I remove it without buying wart removed or having a piece of thread dangling from my neck for 3 days?

--Oh, and going to the doctor really isn't an option for me at this time.

So long as you are sure that the lesion is a benign skin tag (generally the same color skin as the rest of your neck) - you can nip it off yourself with cuticle scissors (properly sterilized in alcohol of course). Before I nip one off (as they bleed a lot), apply a toothache product which will help numb the upper layer of your skin. Be sure you have a bandaid ready, or at least a gauze pad to lay over it as soon as you have nipped it.

Take the cuticle scissors and place them right down on your neck and nip the skin tag (papilloma) at its base. Doing it this way, there is a possibility it may come back later, but it avoids a doctor's visit, especiallly if you have a lot of them. A doctor once removed one from my neck by startling me into looking out the window and he then somehow wrapped a very thin piece of wire around the base and in crossing the two ends of the wire, he basically sliced it off. Never saw it coming!