Preheat the Oven – Preheat the oven to 375°F (190°C).
Make the Creamy Base – Combine the softened cream cheese, sour cream, garlic powder, onion powder and cumin (if using) in a bowl until well incorporated and smooth.
Pour & Layer the Ingredients – In an oven-safe baking dish, spread the cream cheese mixture evenly as the first layer.
Spread the Salsa – Pour the salsa over the cream cheese layer, spreading it out.
Cheese it – Spread shredded cheddar cheese on the salsa layer so that it is completely covered.
Bake Until Bubbly — Transfer the dish to the oven and bake for 20 to 25 minutes, or until bubbly and melted.
Garnish & Serve – Take out of the oven, allow it to cool down a bit, and garnish with fresh parsley or cilantro if you like. Serve warm with tortilla chips.