1. In a medium bowl, blend the taco seasoning mix and refried beans. Spread the mixture onto a large serving platter.
2. Mix the sour cream and cream cheese in a medium bowl. Spread over the refried beans.
3. Top the layers with salsa. Place a layer of tomato, green bell pepper, green onions and lettuce over the salsa, and top with Cheddar cheese. Garnish with black olives.
My Note: Sometime I do not use lettuce (as it tends to wilt as it sits out) and I don't use a lot of green pepper. Even though I love green pepper, I don't feel it belongs in this recipe (just my opinion). I make homemade guacamole and put that layer on top of the sour cream/cream cheese layer. I found a good guac recipe on this site (Simple Guacamole) that I use. They always "lick the platter clean" every single time. I've NEVER had leftovers. I serve with Tostitos Scoops as they grab the dip more! Oh and this doesnt' totally spread to fit in a 13x9 pan (mostly the beans don't) so I bought a clear pyrex dish a slightly smaller size. This dish has pretty much become my 7-layer dip dish because it's requested so much at every party! This is an awesome crowd pleaser.
This recipe is very good as is, but is also easy to alter to personal taste. I have took suggestions of others and added 1 lb. of hamburger to the taco seasoning and guacamole instead of lettuce, both very good. I however like this recipe best with medium taco seasoning and salsa and also adding a can of Rotel instead of the tomato, green pepper, onions. Very easy and adds a bit of a kick to it. The 13X9in. dish works the best.