Easy Cream Cheese Bean Dip

1 Cup of Sour Cream.

1 (16 Ounce) Can of Re-fried Beans.

1 (8 Ounce) Block of Cream Cheese, Softened.

1 (1 Ounce) Package of Mild Taco Seasoning.

1/2 -1 Cup of Mexican Cheese, For Topping.

8" Inch Backing Dish or 8x8 Pan.

Tortilla Chips, For Dipping.