01 - Preheat oven to 375°F.
02 - In a mixing bowl, combine cream cheese, 1 cup mozzarella, Parmesan, cheddar, Italian herbs, and garlic powder until smooth.
03 - Spread the cheese mixture evenly in the bottom of an 8-inch oven-safe baking dish.
04 - Pour the marinara sauce evenly over the cheese layer.
05 - Sprinkle ½ cup mozzarella over the sauce.
06 - Arrange beef pepperoni slices on top. Add green bell pepper and olives, if using.
07 - Bake for 20 to 25 minutes, until bubbly and golden around the edges.
08 - Let cool for 5 minutes. Serve warm with bread, chips, or crackers.