The Recipe Box-Touchdown Taco Dip

Okay, this is definitely one of THE BEST Mexican dips out there....and our family favorite!!! It is really easy to make, and looks as good as it tastes!
Also, has anyone made any of the recipes posted yet? If so, we'd love to hear what you thought!

Touchdown Taco Dip
1 can refried beans (32 oz)
1 pkg. cream cheese (8 oz.)
2 T. taco seasoning
1 c. sour cream
1 tsp. minced garlic or 1 clove fresh
1 c. shredded cheddar cheese
Toppings: Lettuce, Olives, Tomatoes,etc.

Spread beans in a 9x13 pan. Cream together cream cheese, sour cream, taco seasoning and garlic. Put on top of beans. Add cheese. Bake at 350 for 20-25 minutes.
Serve with chips.