I know what you mean, ive got them too (over some of my neck/shoulders and under my armpits) and the absolutely best thing you can do is get them frozen off. Sorry it hurts, but it's really not so bad after the first sting.
Doctors are bound my confidentiality, so no one else ever has to know, but I know what you mean about being a little shy about it with doctors (my dad is a doctor, and I have him freeze mine off sometimes; used to be extremely embarassing, but not so much anymore)

I believe wart & mole vanish can remove skin tags too. Although i've used it on my raised mole beside my nose and now its gone.

charlah :p