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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.
In many cases, skin tags are believed to develop due to friction between adjacent areas of skin or between clothing and skin. Because of the increased skin-to-skin contact and friction, skin tags are more common in overweight orobese people. Although skin tags can sometimes be seen in children, they tend to increase with age and are most common in middle-aged and older individuals.