Preheat oven to 350 degrees F. Spray a 9x13 baking dish with cooking spray and set aside.
Heat a medium skillet over medium-high heat. Add a tablespoon of olive oil or spray with cooking spray. Add the turkey and cook, stirring and breaking up, until browned.
Add the taco seasoning and stir to coat. Stir in the sour cream and pinto beans.
Add a layer of chips to the bottom of the baking dish. You want a single layer, but is perfectly ok if some of the chips are overlapping. You want the bottom covered. Spoon half of the taco mixture over the chips and spread as evenly as you can. Top with 1 cup of the cheese.
Repeat with a second layer of chips, the rest of the taco mixture, and the remaining cheese. Place in the oven and bake for 15 minutes, or until cheese is melted and bubbly.
Serve with toppings of choice, and be prepared to go back for seconds!