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1 (8 ounce) package cream cheese, softened
1 (8 ounce) carton sour cream
8 ounces sharp cheddar cheese, grated
1 fresh jalapeno pepper, seeded and finely chopped
1 red bell pepper, seeded and finely chopped
1 clove garlic, minced
1/2 tsp ground cumin
Combine all ingredients in a bowl and mix well. Refrigerate until ready to serve. Serve with crackers.