What causes excess cholesterol to be formed? There are many factors, including heredity (which you can’t control), inactivity (which you can control), and your diet (which you can also control), particularly if you consume a lot of food and drinks containing saturated fat. Saturated fats are fatty acids that are solid at room temperature, such as Crisco, lard, or the marbled white streaks and chunks you see in a raw steak.