1 (8 oz.) pkg. cream cheese
1 can chili beans (Hormel)
1 (12 oz.) Cheddar cheese

In a 9 x 13 glass pan, spread cream cheese on bottom of pan. Pour chili beans over cream cheese. Sprinkle Cheddar cheese on top.

Bake in 375°F oven until cheese is melted. Serve with nacho chips.