Preheat the oven to 350°F and coat a large baking dish with cooking spray.
Cut the bell peppers in half, removing the membranes and seeds. Bake for 15 minutes. Remove and blot the insides dry with a paper towel and leave the oven on.
Meanwhile, in a large skillet, heat the oil over medium-high heat.
Add the ground beef, searing well and browning. Do not push it around, just let it get nicely browned, then flip.
When the beef is cooked, add the onion, cooking for 3 minutes. Add the beans, tomatoes, corn, cumin, chile powder, dried oregano and salt. Heat for 2-3 minutes.
Remove from the heat and fold in the cilantro and 1 cup of the cheddar cheese.
Spoon the ground beef mixture into the pepper halves. Top with additional cheddar cheese the queso fresco. Return the baking dish to the oven for 5 minutes or until the cheese melts.
Remove and set aside for 5 minutes. Garnish with your desired toppings.
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