I don't know about the creams, but I'm having laser treatment to remove one of my tattoos. I pay �70 a session - cost depends on the size of the tattoo. If the tattoo is in colour, it takes longer to remove - mine is black and I've been told it will take 10-12 sessions for it to go. I've had 3 and it has virtually disappeared already. The session takes about 15 minutes and it isn't particularly painful - if you can cope with having a tattoo in the first place you'll definitely be able to cope with laser treatment.
Laser treatment will remove tattoos completely with no scarring. It breaks down the collagen under the skin which has sealed the ink in, and the ink is dispersed into your system and ejected from your body with all your other waste products!
Good luck