Preheat the oven to 375°F (190°C).

In a mixing bowl, combine ground beef and taco seasoning.

Add cream cheese and cheddar cheese to the beef mixture and mix well.

Place a portion of the filling on each tortilla and roll them up tightly.

Place the rolled tortillas on a baking sheet.

Bake in the preheated oven for 20 minutes or until golden brown.