Little is known about what causes cellulite. It involves fibrous connective cords that tether the skin to the underlying muscle, with the fat lying between. As fat cells accumulate, they push up against the skin, while the long, tough cords pull down. This creates an uneven surface or dimpling. In addition, hormonal factors play a large role in the development of cellulite, and genetics determine skin structure, skin texture and body type. Other factors, such as weight and muscle tone affect whether you have cellulite, though even very fit people can get it also.