Beat the softened cream cheese until slightly whipped and light.
Add milk and the pudding. Beat until incorporated.Refrigerate to allow to fully chill and set up.
FOR THE CRACKERS
Melt the chocolate wafers and dip crackers, or make whatever designs you like. Allow to dry.
To make a marble effect, swirl the white & dark chocolate together, lay in the cracker, and allow to dry. Slice apples or fruit of your choice (optional)
ASSEMBLY
Serve the dip in a bowl and surround it with layers of crackers and fruit. Top with shaved chocolate for a pretty garnish.