Preheat your oven to 400°F (200°C) and line a large baking sheet with parchment paper.
Slice the bell peppers into wide, chip-sized triangles, removing all seeds and internal membranes.
In a small bowl, toss the rinsed and drained black beans with chili powder, garlic powder, sea salt, and black pepper.
Spread the bell pepper chips in a single layer on the prepared baking sheet.
Evenly distribute the seasoned black beans over the peppers and sprinkle with the shredded sharp cheddar cheese.
Bake for 8 to 10 minutes until the peppers are slightly tender and the cheese is bubbly and melted.
While the nachos bake, whisk together the non-fat Greek yogurt and lime juice in a small bowl until smooth.
Remove the nachos from the oven and top with diced red onion, diced tomato, and fresh cilantro.
Drizzle the lime-yogurt crema over the top and serve immediately while warm.