In a mixing bowl, combine cream cheese, Cheddar cheese, onion, Worcestershire sauce, and garlic. Beat with an electric mixer until well blended.
Refrigerate until firm then shape into a ball. Roll cheese ball in chopped pecans or peanuts until well coated. Wrap in plastic and let ripen in refrigerator for at least 24 hours. Take out of refrigerator at least 2 hours before serving.
Serve cheese ball with assorted crisp crackers.
Servings: 12 to 16