Cosmic-ray muons make recognizable straight tracks in the new-generation CCD’s with thick sensitive regions. Wandering tracks (“worms”), which we identify with multiply-scattered low-energy electrons, are readily recognized as different from the muon tracks. These appear to be mostly recoils from Compton-scattered gamma rays, although worms are also produced directly by beta emitters in dewar windows and field lenses. The gamma rays are mostly by products of 40K decay and the U and Th decay chains. Trace amounts of these elements are nearly always present in concrete and other materials. The direct betas can be eliminated and the Compton recoils can be reduced significantly by the judicious choice of materials and shielding. The cosmic-ray muon rate is irreducible. Our conclusions are supported by tests at the Lawrence Berkeley National Laboratory low-level counting facilities in Berkeley and 180 m underground at Oroville, California.