Peel and dice the potatoes into small cubes.
Chop the onion and carrots into small pieces.
Add the diced potatoes, onion, carrots, and garlic to the crock pot.
Pour in the vegetable or chicken broth until all ingredients are covered.
Season with salt and pepper to taste.
Cover the crock pot and set it on low for 6-8 hours or high for 3-4 hours.
Once cooked, use a potato masher to blend the soup to your desired consistency.
Stir in the heavy cream and shredded cheese until melted.
Serve hot, garnished with your choice of toppings.