Cheesy Layered Bean Dip

1 16 oz. can refried beans 1 16 oz. container sour cream 1 8 oz pkg. cream cheese 2 cloves garlic 1 teaspoon pepper 1 tablespoon garlic salt 2 teaspoon chili powder 1 tablespoon cumin 2 cups shredded cheddar cheese

In an 8x10 baking dish, spread beans in an even layer. In mixer, combine softened cream cheese, sour cream, garlic, pepper, garlic salt, chili powder, and cumin. Mix until combined. Spread evenly on to beans. Top with cheddar cheese. Bake at 375, for 20 minutes. Serve warm.