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Stress
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Stress plays a major role in whether your fish will get a fungus or not. The more stressed out they are from water conditions, lack of food or other fish in the tank with them, the more it will affect their health.
Parasites
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Parasites are usually already present on fish from the time they arrive at the pet store and you take them home to your aquarium. Parasites grow on the scales and fins of fish and can cause death if left untreated.
Injury
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Injuries from other fish can encourage fungus to grow and thrive on their bodies and gills.
Fungal Infection
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Fungal infections are caused by the fish being stressed, injured or living in poor water conditions. Ich and velvet are Fungal infections that are very common among aquarium fish.
Poor Water Conditions
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Poor water conditions within the tank can cause fungus to thrive. Too much ammonia or levels of pH that are too high or too low can make fish become vulnerable to diseases.
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Where Does Fish Fungus Come From?
Fish fungus can form on your fish's body at any time in its life. Many different factors cause fish fungus such as stress, injury and poor living conditions, according to peteducation.com.