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Gather ingredients

Set oven to 350°F

Mix sour cream, cream cheese, and taco seasoning mix together

Set aside once mixed

Open refried beans and spread into pan


Add the cream cheese and sour cream mixture on top of the refried beans

Set aside

Cook and drain ground beef

Mix taco sauce into ground beef

Add meat onto the cream cheese and sour cream mixture

Add shredded cheese

Place dish in oven until cheese is melted


Top with Lettuce and tomatoes
Scoop and serve with tortilla chips.