Brown ground beef and bacon in 10-inch nonstick skillet over medium to high heat, stirring occasionally and breaking into small pieces, about 4 minutes; drain. Season, if desired, with salt and pepper.
Reduce heat to medium to low, then stir in cheese, mayonnaise and sour cream.
Cook, stirring frequently, 6 minutes or until cheese is melted. Turn into a shallow 2-quart dish.
optional: top with tomato, onion, bacon and, if desired, pickle chips.