Mexico bar chili con queso

Heat in microwave until melted, stirring at 1 1/2 minute intervals
1 lb. Velveeta cheese, cubed 2 oz. Monterey Jack cheese, grated 2 oz. Cheddar cheese, grated 1/2 cup onion, diced 1 tomato, finely chopped 1 clove garlic, minced cilantro to taste 1 tsp. Chili powder 1 tsp. Cumin 1 tsp. Black pepper 1/2 cup half and half cream