Add ground beef to a large skillet and brown over medium heat. Drain off any fat.
Stir in the cream cheese until melted and smooth. Add the beans, chilis, onion, cumin, salt, pepper, and grated cheese. Cook and stir till melted.
Place 1/4 cup of filling down the center of a flour tortilla. Roll up the tortilla tightly and place seam side down on a baking sheet lined with silicone liners or sprayed with cooking spray. Repeat with remaining filling and tortillas.
Spray each taquito with cooking spray. If desired, sprinkle the tops of the taquitos with kosher salt (not regular table salt).
Bake at 350° for 15-20 minutes or until crispy and golden brown.
Serve hot with guacamole, your favorite salsa, and sour cream if desired.