2 (8 oz.) bricks cream cheese, softened (reg. or light)
1 can Hormel chili with beans, hot
1 can Hormel chili without beans
1 bag shredded Cheddar or Nacho cheese
1 bag nacho chips or saltines

Line baking dish with softened cream cheese.

Pour cans of chili over cheese.

Sprinkle on cheese.

Bake at 350 degrees or microwave covered until bubbly.

Serve with nacho chips.