I think I may have one or the other, but I'm not sure which. How do you tell them apart, and are they treatable? I just have one little white bump around the opening, which is pushing me towards callouses because I have heard that warts come in goups and are painful, while this doesn't bother me all (no itching or redness or weird smell).
Any one know or have any ideas?

Go and see your doctor he/she will treat them or tell you to go to the clinic I'm not sure were you are,I don't no how it works in other countrys but that's how it works in ireland and england you go to the g.u.m clinic

If its only the one, then I wouldn't have thought it was warts as they come in groups and spread easily, just get checked, that's my best bet.