In a large mixing bowl, combine softened cream cheese, sour cream, and mayonnaise.
Mix until smooth and creamy.
Add in the fresh corn kernels to the mixture.
Fold in shredded cheddar cheese and cotija cheese.
Sprinkle in chili powder, garlic powder, salt, and pepper.
Squeeze lime juice over the mixture and stir well.
Gently fold in chopped cilantro until evenly distributed.
Taste and adjust seasoning.
Transfer the dip to a serving bowl and garnish.
Serve immediately with tortilla chips.