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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 benign tumor that forms primarily in areas where the skin forms creases, such as the neck, armpit, and groin. They may also occur on the face, usually on the eyelids. Perianal skin tags can be associated with Crohn's disease. Acrochorda are generally harmless and painless, and usually do not grow or change over time. Though tags up to a half-inch long have been seen, they are typically the size of a grain of rice. The surface of an acrochordon may be smooth or irregular in appearance and is often raised from the surface of the skin on a fleshy stalk called a peduncle. Microscopically, an acrochordon consists of a fibrovascular core, sometimes also with fat cells, covered by an unremarkable epidermis.