Texas Trash Warm Bean Dip

Texas Trash Warm Bean Dip was pinched from <a href="https://www.facebook.com/photo.php?fbid=422953637798168" target="_blank">www.facebook.com.</a>
INGREDIENTS
1 (8 ounce) package cream cheese, softened
1 cup sour cream
2 cans (16 ounces, each) refried beans
1 packet taco seasoning
2 cups cheddar cheese, shredded
2 cups monterey jack cheese, shredded
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