Preheat oven to 350. Mix together cream cheese and sour cream in large bowl. Mix refried beans until combined. Stir in taco seasoning. Spray 9x13 baking pan with cooking spray. Spread evenly into bottom of baking dish.
2. Sprinkle top with both cheeses. (I use only 1 cup of each cheese). Bake for 25-30 minutes or until cheese is melted and slightly browned. Serve with tortilla chips.