Thanks for posting your query at DoctorSpring.com
I can understand your concern.
You do have a wart which needs removal. If you were to get it burnt off it wouldn't leave a scar. It will also be an instant treatment. However, if you want to use a cream you can try aldara cream. You will need a doctor's prescription for the same.
The cream however takes 8 to 12 weeks to work.
Please let me know if you have any queries.