Brown grown beef in a pan until thoroughly cooked.
While meat is browning, open all cans and pour into a deep pan. Pour in Whipping cream. Cut up cheese into chunks so it melts quicker. (Use more beans or less for the amount you are making. Mild to hot as desired.)
Drain meat,(I rinse mine in hot water to remove more grease), pour into pan with other ingredients.
Mix all together and cook on medium heat until the cheese is melted. Stir as cheese is melting so it does not stick to bottom of pan.
Put Tostitos on plate or in a bow, Spoon Taco-Chili mix on top of chips, garnish with lettuce, chopped tomatoes and sour cream if desired.