Gather all your ingredients on the counter for easy access.

In a bowl, combine the cottage cheese, garlic powder, cumin, and a pinch of salt and pepper. Mix until smooth but textured.

Fold in the shredded cheddar cheese and drained diced tomatoes.

Stir in the diced bell pepper and jalapeños if using.

Transfer the mixture to a medium saucepan over low heat. Stir continuously until heated through and bubbly.

Taste the dip and adjust seasoning or add milk if it's too thick.

Serve immediately in your favorite bowl with tortilla chips, veggies, or toasted bread.