preheat oven to 350

spray 9 x 13 baking pan

mix together cream cheese and sour cream in a large bowl. mix in refried beans until combined. stir in taco seasoning.

spread mixture evenly into the bottom of the basking dish. sprinkle the top with both cheeses.

bake for 25 to 30 minutes, or until cheese is melted and slightly browned. serve with tortilla chips.