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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.
Skin tags are small bits of hanging particles from the skin. It develops on both men and women on the chest, neck and groin area. Normally the skin tags occur on the area in which there is friction of skin to cloth. They run in families and are passed on to the child from the parents. The number of skin tags increases as you grow old and normally it is seen on 25-30% of adults.