Is your GM not using the Street Cred rules as written?
Quote:
Street Cred
Street Cred represents a character’s lifetime accomplishments in the shadows. The longer she’s been around, the more he’s done and seen, the more respect she’ll get from her peers.
Street Cred is based on a character’s total earned Karma (see Karma, p. 269), divided by 10 and rounded normally. A character who
has earned 35 Karma in the course of a game will have a Street Cred of 4 (35 ÷ 10 = 3.5, rounded up to 4).
At the gamemaster’s discretion, additional points may be added to a character’s Street Cred for any epic adventures, stunning victories,
unbelievable escapes, or similar eyebrow-raising accomplishments.
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Karma 132 / 10 = 13 Street Cred