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The black spot under the skin may be many different thing such as a benign, nevus, black head, blue nevus or possible a sun damage that may need a biopsy. I recommend you seeing a dermatologist that can check the skin lesion with a special light/microscope called a Dermlite to evaluate the spot.
Thank you for your question. How long ago is recent? Following scratching the mole I would expect it to look like you have shown. This will take time to settle down. Imagine if you cut yourself anywhere normally - the wound will take about a week to scab up and then as the scab comes off...
Some moles get inflamed and that what yours seems to have going on. Infection is less likely but you should show your doctor. Steroid ointment works great for it.
Yes, this can be used to remove moles successfully. I recommend getting a formal evaluation with a cosmetic dermatologist. Moles can be removed with laser, radiowave or shave. See an expert. Best, Dr. Emer