Healthier Seven Layer Taco Dip

1 (1 ounce) package taco seasoning mix

1 (16 ounce) can fat-free refried beans

1 (16 ounce) package light sour cream

1 (8 ounce) package Neufchatel cheese, softened

1 (16 ounce) jar salsa

1 large tomato, chopped

1 green bell pepper, chopped

1 red bell pepper, chopped

1 bunch chopped green onions

1 small head iceberg lettuce, shredded

2 cups shredded Cheddar cheese

1 (6 ounce) can sliced black olives, drained

Blend taco seasoning mix and refried beans in a bowl. Spread mixture onto a large serving platter. Mix sour cream and Neufchatel cheese in a bowl. Spread over refried beans. Top layers with salsa. Place a layer of tomato, green bell peppers, red bell peppers, green onions, and lettuce over salsa. Sprinkle with Cheddar cheese. Garnish with black olives.