Warm Bean Dip AKA Texas Trash Dip

Warm Bean Dip AKA Texas Trash Dip
Ingredients
1 (8 ounce) package cream cheese, softened
1 cup sour cream
Texas Trash Bean Dip
2 cans (16 ounces, each) refried beans
1 packet taco seasoning
2 cups cheddar cheese, shredded
2 cups monterey jack cheese, shredded
Source Link: http://newnangarestaurants.blogspot.com/p/cajun-style-turtle-burgers-adapted-from.html