Add 1 tbsp oil to a skillet over medium-high heat on the stove.
Mix in the chopped onions and peppers, and cook for a few minutes until they begin to soften.
Add in the cubed ham, and cook for 1 minute more.
Pour in the beaten eggs, and scramble until cooked to your liking.
Mix in salt and pepper to taste, and remove the egg mixture from the stove.
In a small saucepan, melt 2 tbsp of butter over medium heat on the stove.
Pour in the heavy whipping cream.
Sprinkle in the mozzarella and cheddar cheese, and stir until smooth and creamy.
Add in the garlic powder, and salt and pepper to taste. Stir until thickened, and serve half of the egg mixture covered in half of the cheesy sauce.
Enjoy!