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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.
A skin tag is a small flap of tissue that hangs off the skin by a connecting stalk. Skin tags are not dangerous. They are usually found on the neck, chest, back, armpits, under the breasts, or in the groin area. Skin tags appear most often in women, especially with weight gain, and in elderly people.