In a large bowl, combine sour cream, mayonnaise, and softened cream cheese. Stir until smooth and creamy.
Stir in jalapeño, green onion, green chiles, taco seasoning, lime juice, salt, and black pepper until evenly blended.
Fold in cheddar cheese until fully incorporated.
Gently stir in the corn to avoid breaking the kernels. Taste and adjust seasoning as needed.
Cover and chill for at least 1 hour (or up to overnight) to allow flavors to develop.
Let sit at room temperature for 15 minutes before serving. Garnish with optional toppings, if using. Serve cold with tortilla chips, corn chips, or crackers.