It's dimply, lumpy and looks like cottage cheese! More than 85 percent of women in the United States have cellulite, which can start as soon as puberty. And the majority of women have no idea how they got it.

"No matter how much exercise I get, and how well I take care of myself, I still have cellulite,” Susan Egan, 52, told FOXNews.com.

"I've done a lot of things to try to avoid or prevent it from progressing," Cindi Owning, 45, said.

Click here to watch cosmetic surgeons discuss cellulite on video.

Dr. Yan Trokel, a cosmetic surgeon in New York City pointed out to Egan her lumps and bumps but explained, "It occurs mostly in females, more than in males, and it’s because women have estrogen and progesterone and the x-chromosome."

Trokel clarified that it's the make up of a woman's connective tissue, which holds fat, muscle and skin together, which helps create cellulite.

"In a male they're (the tissue fibers) more like crisscrossed and in a female they're more horizontal, parallel like this," Trokel said, demonstrating with his fingers. "So what does that mean? Anytime you have any type of pressure, the fat can poke through and give you that lumpy, bumpy look."

Dr. Patricia Wexler, a cosmetic dermatologist who is also based in New York City, said women should also look to their family tree when pointing the blame.

"There's heredity, where you see grandmother, mother, and child,” Wexler said. “But there's also a vascular component, there's an anti-inflammatory component in the skin. There’s no one cause of cellulite."

These top doctors agreed that there's more than one reason for this unsightly problem.

And some of these culprits – a sedentary lifestyle, smoking, poor diet, and poor nutrition - can actually increase your chances for dimply thighs, Trokel said.

Wexler pointed out that size does not matter either.

"Everyone gets cellulite,” she said. “Because you can see the skinniest actress and then you’re shocked when you see them in a bathing suit and their legs are all dimpled."

Check back next week when we show you how technology is helping women battle cellulite.

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