In a medium sized mixing bowl, combine softened cream cheese with sour cream and taco seasoning. *For best results, beat cream cheese with a hand or stand mixer until fluffy and smooth (no lumps), then stir in sour cream and taco seasoning.
Pour cream cheese mixture into an 11x7-inch baking dish and spread evenly with a spatula. Layer ingredients as desired: cheese, black beans, tomatoes/green chiles, corn, olives. Garnish with sliced green onions.
Chill until ready to serve, and serve with tortilla chips for dipping.
Store tightly covered in the refrigerator for up to 3 days.