The cause of acrochordons is unknown, however there are several theories. Irritation or friction to the skin, as occurs with skin rubbing on skin in body folds, may play a role in their formation. Acrochordons are found more commonly in people who are overweight or have diabetes. This may be due to body habitus (more skin folds), but some people think insulin resistance may somehow contribute to the development of these harmless tumors. A study of 49 patients with acrochordons showed that the human papilloma virus (HPV) was present in a high percentage of growths, suggesting the virus plays a role in development. It is also possible that acrochordons are genetic or simply due to normal aging and loss of elastic tissue. There is a genetic disorder called Birt-Hogg-Dube Syndrome that is characterized by numerous skin tags along with other skin and systemic findings.
While skin tags can appear just about anywhere, they're especially common in parts of your body that rub against clothing or skin. Skin tags are most common on the neck, armpits, groin, and eyelids. They also may appear on the chest and back and in skin creases. Women are likely to develop skin tags under the breasts, where the underwire of a bra may rub against the skin.
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These benign growths often appear on the folds of the skin where moisture and friction are common. This includes under arms and in the armpit region, on the neck, under the breast, near the genitals, on eyelids, or on the torso. While they can be irritated by clothing or jewelry, they typically are painless. Rarely, if a skin tag is twisted, a small blood clot can develop, which may make it tender or painful.
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Lamisil cream is indicated for fungal infections of the skin. Skin tags are benign and not caused by a fungus. If you experience symptoms such as itching, burning, cracking, or scaling of the skin surrounding a skin tag, see your doctor. It is possible you have a fungal infection in the area and a topical medication such as Lamisil help treat it. It will not treat ordinary skin tags, though.
Generally, they do not cause any pain or discomfort. However, if they are subjected to friction or damage caused by clothing or jewelry, a small blood clot may occur, resulting in pain. While it may be tempting at that point to simply cut it off, this is not an acceptable way to remove a skin tag. The best practices for how to remove skin tags at home do not involve cutting; this is dangerous and may lead to a severe infection and permanent scarring.
Acrochordons are harmless and do not require removal. Typical skin tags can be removed for comfort or cosmetic purposes either by scissor excision, electrocautery (burning), or cryosurgery (freezing). Skin tags with long, narrow stalks can become twisted, cutting off the blood supply and abruptly turning the tag dark brown or black. If a skin tag appears that it is changing or becomes painful, it should be examined by a dermatologist to exclude other, potentially harmful diagnoses.
Cutting the skin tag off. Most doctors prefer to remove a skin tag by cutting it off quickly in office. The procedure will begin with cleaning the area with an antiseptic solution. Depending on the size and location of the skin tag, the doctor may rub a numbing solution on your skin. Then, the doctor will use a very sharp tool to simply slice the tag away. The area will be cleaned again and a bandage will be applied. You can expect to feel very little pain during the procedure. Most only feel a pinprick sensation. Occasionally. tag removal may require the doctor to stitch the resulting wound.  (5)
Hormone elevations, such as those seen during pregnancy, may cause an increase in the formation of skin tags, as skin tags are more frequent in pregnant women. Tags are essentially harmless and do not have to be treated unless they are bothersome. Skin tags that are bothersome may be easily removed during or after pregnancy, typically by a dermatologist.

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Dr Yip notes that while it’s uncommon to experience an infected skin tag, it’s likely they may become red, inflamed and itchy if they're constantly rubbing against clothing and jewellery. “If there is infection, it is usually red, swollen and painful and may have pus discharge and a malodour [an unpleasant odour].” If this occurs, apply an antiseptic cream to mild irritations or see a dermatologist if the pain is more severe.

I went on my way after my doctor’s appointment, relieved. But maybe I shouldn’t have been. Many doctors I've spoken to say people with obesity are more likely to get skin tags due to the increase in skin friction. I probably weighed 120 pounds (lbs) booted out in snow gear. But there are other risk factors for skin tags — factors that, if you’re suffering from them, may be worth investigating.
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