Heat olive oil in a skillet over medium heat. Season chicken with chili powder, cumin, and salt, then cook until browned and cooked through, about 7-8 minutes per side.
Remove chicken from skillet and shred using two forks.
In the same skillet, add cream cheese and sour cream; stir until melted and smooth.
Return shredded chicken to skillet and mix well with the cream cheese sauce.
Warm tortillas in a dry skillet or microwave.
Fill tortillas with creamy chicken mixture and top with shredded cheddar cheese before serving.
Notes
You can garnish with fresh cilantro, lime wedges, or avocado slices for added flavor.