Preheat the oven to 375°F and grease a small baking dish.

Cook the ground beef and onion in a skillet over medium heat, breaking up the meat, for 7 to 8 minutes until no pink remains, then drain off the fat.

Beat the cream cheese and sour cream until smooth.

Stir in the cooked beef, 3/4 cup of the cheddar, chopped pickles, ketchup, mustard, garlic powder, salt and pepper.

Spread the mixture into the prepared dish.

Top with the remaining cheddar.

Bake for 18 to 20 minutes, until the cheese melts and bubbles at the edges.

Rest 5 minutes, then drizzle extra ketchup and mustard in thin lines across the top if desired.

Serve warm with chips or pieces of toasted burger bun.