Melt the butter in a medium non-stick saucepan over medium heat. Stir in the garlic cloves or powder and stir for 30 seconds or so, until fragrant.
Add the cream cheese until melted. Sprinkle the flour over the butter/cream cheese and whisk in until smooth.
Add in the milk and heat 3-4 minutes until it comes to a simmer. Continue stirring and simmering for 2-3 more minutes, until the mixture is thickened.
Remove from heat and stir in cheese. Cover and let sit for 5-10 minutes.
Leftovers refrigerate solid. Add a splash of milk to desired consistency to reheat.