1. Preheat oven to 350°F. Spread the refried beans in the bottom of a 12-inch round, oven-safe baking dish.
2. In a separate bowl, mix the sour cream, garlic, Southwest seasoning and cream cheese and transfer to the oven-safe dish. Top with shredded cheese and bake in the oven until the cheese is melted.
3. Remove from the oven, top with Tostitos All Natural Salsa and serve immediately with Tostitos Scoops! Tortilla Chips.