1 - 8oz pkg cream cheese, soft
1c. sour cream
1 pkg. taco seasoning (I use Ortega)
1 can refried beans
**Mix all ingredients and spoon into an 8X8 pan. Top with shredded cheddar cheese. Bake 350 degrees until warm and cheese melts.
**Serve with tortilla chips or Frito scoops.
You can also double this recipee and put in a 9X13 pan.
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