Warm Bean Dip

Warm Bean Dip was pinched from <a href="http://www.life-as-a-lofthouse.blogspot.com/2012/02/warm-bean-dip.html" target="_blank">www.life-as-a-lofthouse.blogspot.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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