01 - Preheat the oven to 375°F.
02 - In a skillet over medium heat, cook ground beef until browned and crumbly, about 5-6 minutes. Drain excess fat.
03 - Stir in taco seasoning, salt, and pepper. Cook for 1 minute, then remove from heat and let cool slightly.
04 - In a bowl, mix the cream cheese and ranch dressing until smooth. Fold in the cooked beef.
05 - Arrange phyllo shells or tortilla scoops on a baking sheet. Fill each with a spoonful of the beef-ranch mixture.
06 - Top each bite with shredded cheddar cheese.
07 - Bake for 8-10 minutes until cheese is melted and bubbly.
08 - Remove from oven and garnish with green onions, diced tomatoes, and olives as desired. Serve warm.