In a small mixing bowl, whisk together the sour cream, olive oil, salt, pepper, garlic powder, onion powder, and ground cumin until smooth.

In a large mixing bowl, combine the sweet corn, black beans, Rotel tomatoes, and bell pepper. Stir in the shredded cheddar cheese.

Pour the prepared dressing over the salad mixture and gently fold to combine.

Fold in the Fritos just before serving to maintain their crunch.