Preheat oven to 350 degrees and spray small baking dish with non-stick cooking spray.
In a medium bowl, add cream cheese and beat with a hand mixer until smooth and creamy. Add sour cream and beat until well combined.
Stir in refried beans, 2 cups cheese, taco seasoning and garlic until smooth.
Spread into prepared baking dish.
Bake for 15-18 minutes or until hot and bubbly.
Remove from oven and add additional cheese.
Return to oven and heat 3-5 minutes or until cheese is melted and bubbly.
Serve immediately with toppings of your choice and tortilla chips.