In a large bowl, mix together cream cheese, sour cream, taco seasoning, refried beans, onion, tabasco, and 1 cup of cheddar cheese.
8 ounces cream cheese, 12 ounces sour cream, 2 Tablespoons taco seasoning, 16 ounce can refried beans, 1 small onion, 6-8 drops tabasco sauce, 2 cups shredded cheddar cheese