1. In a large skillet over medium heat, cook the ground beef with the diced onion until the beef is browned and the onions are softened. Drain any excess fat.

2. Stir in the garlic powder, cumin, and paprika, ensuring the beef is evenly coated with the flavorful spice blend.

3. Reduce the heat to low and stir in the cheddar cheese and cream cheese until they are fully melted and the mixture is creamy and cohesive.

4. Lay out a tortilla and spoon a generous portion of the beef and cheese mixture onto the center. Fold the sides in and roll the tortilla tightly to create a burrito.

5. For a crispy exterior, lightly toast each burrito in a skillet for 1-2 minutes per side over medium heat.

6. Cut the burritos in half, if desired, and serve them warm with your favorite accompaniments, such as salsa, sour cream, or guacamole.