Preheat oven to 450 degrees F (or the appropriate temperature for your premade crust).
In a large skillet over medium heat brown ground beef until no longer pink. Season with a packet of taco seasoning, and add water if necessary. Remove from heat.
In a small bowl mix together refried beans and taco sauce.
Top with half of the taco meat. Sprinkle 1 cup of mozzarella and monterey jack cheese.
Bake for 10-15 minutes (or according to the crust directions).
Remove from oven and top with 1 cup lettuce, ¼ cup tomatoes, 2 handfuls of crushed nacho cheese tortilla chips, and 1 cup cheddar. Enjoy immediately.