In a standard glass pie plate or the baking dish of your choice, place the cold cream cheese and with the back of a soup spoon, spread evenly to sides.
Top with jack cheese and sliced scallions (white part only)
Spread hot chili over mixture and top with shredded cheddar cheese.
Bake uncovered for 20 minutes. Remove from oven and sprinkle top with drained diced tomato, cilantro and sliced scallion tops. Serve with nacho chips and be prepared to get another one in the oven because the first one will be gone before you ever get a chance to turn the oven off.
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