Brown the meat and lightly season with salt and pepper during browning; drain well and cool to room temperature. When cool, add taco seasoning (no water), onion, green pepper, cream cheese, and Cheddar cheese. Put in a serving bowl and, just before serving, add lettuce and chips (this will help keep them crisp). Also, if desired, add tomatoes and olives.
            Cook’s Note:  The meat mixture can be made the day ahead and stored in the fridge. Then just before serving add the lettuce and chips.