Queso Beef and Bean Chili

"A quick and easy beef and bean chili with plenty of cheese melted into the sauce!..."

INGREDIENTS
1 pound lean ground beef
1 onion, diced
4 cloves garlic, chopped
1 tablespoon ancho chili powder (or chili powder)
1 teaspoon chipotle chili powder (or chili powder)
2 teaspoons ground cumin
1 tablespoon smoked paprika
1 (28 ounce) can diced tomatoes
1 (4 ounce) diced green chilies (optional)
2 (14.5 ounce) cans red kidney beans (or black beans or pinto beans)
2 teaspoons oregano
2 teaspoons worcestershire sauce
4 ounces cream cheese, softened
2 cups cheddar cheese (and/or monterey jack), shredded
salt and pepper to taste
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