01 - Preheat oven to 375°F.
02 - Mix cream cheese, 1/2 cup mozzarella, 1/4 cup cheddar, 1/4 cup Parmesan, oregano, garlic powder, salt, and pepper until combined.
03 - Spread cream cheese mixture evenly in 8-inch oven-safe baking dish.
04 - Pour pizza sauce evenly over cream cheese base.
05 - Sprinkle remaining mozzarella, cheddar, and Parmesan over sauce.
06 - Arrange pepperoni slices, diced bell pepper, and olives on top.
07 - Bake for 20-25 minutes until cheese is melted, bubbly, and golden brown.
08 - Remove from oven, garnish with fresh herbs if desired, and let cool 5 minutes.
09 - Serve warm with pita chips, breadsticks, or sliced baguette.