Preheat your oven to 350°F (175°C).
In a large bowl, mix together the cream cheese, mayonnaise, sour cream, lemon juice, Worcestershire sauce, Old Bay seasoning, and garlic until well combined.
Gently fold in the lump crab meat, taking care not to break up the chunks of crab too much.
Transfer the mixture to a baking dish and spread it out evenly.
Sprinkle the top with shredded cheddar cheese and grated Parmesan cheese.
Bake in the preheated oven for 25-30 minutes, or until the top is golden and bubbly.
Serve hot with crackers, bread, or veggies for dipping.