Heat oven to 350 degrees F. Lightly spray a casserole dish with cooking spray
and set aside.
In a bowl mix together the cream cheese and sour cream with a mixer. Add refried
beans and taco seasoning mix; beat on low speed until well blended. Spoon into prepared
casserole dish, cover and bake for 20 minutes.
Remove cover and sprinkle the Cheddar cheese over top; return to oven for 20
minutes or until it is heated through and cheese has melted.