1.Place Bagels On An Ungreased Baking Sheet; Spread With Cream Cheese. Set Aside. In A Large Skillet Over Medium Heat, Cook And Stir Beef In Oil For 3-5 Minutes Or Until No Longer Pink. Season With Salt And Pepper. 2.Using A Slotted Spoon, Place Beef On Bagels. Top With Tomato And Mozzarella Cheese. Broil 8 In. From The Heat For 3-5 Minutes Or Until Cheese Is Melted And Lightly Browned.