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Skin tags are very common and generally occur after midlife. They are said to be caused by bunches of collagen and blood vessels which are trapped inside thicker bits of skin. They are believed to be the result of skin rubbing against skin. That is why they are generally found in skin creases and folds.
This is because this condition and other similar conditions tend to resemble fatal skin conditions, bearing a lot of similarities in the physical outlook and formation process but they are purely harmless to have on the skin. Why skin tags occur is a puzzle yet to be unraveled by skin doctors and researchers alike. There are speculative reasons as to why skin tags form. However, these are reasons based on noted effects on apparent areas where the skin tags commonly appear.