Spread the refried beans on a round or square flat container. I actually use the bottom of a tupperware piece that stores cake! Works great! Set this in the fridge so the beans harden up a bit
In a medium bowl, mix your sour cream, cream cheese, and taco seasoning. Stir until no chunks are left
Layer on top of your refried beans
Layer your lettuce, tomatoes, chilies, olives and cheese. Serve with tortilla chips!