In a high-speed blender, combine cottage cheese, cheddar cheese, milk, and taco seasoning. Blend on high for 30 seconds until smooth.

If too thick, add a splash of milk and blend for another 10–15 seconds to achieve a pourable consistency.

Transfer to a microwave-safe bowl and heat in 15-20 second increments, stirring in between, until warmed through.

Remove from microwave and garnish with fresh toppings such as diced tomatoes, sliced jalapenos, chopped cilantro, and diced red onion.

Serve immediately with tortilla chips or fresh vegetable sticks for dipping.