01 - Preheat oven to 400°F. Lightly grease a 9x13-inch baking dish with nonstick spray or butter.
02 - In a large skillet over medium heat, cook the bacon slices until evenly browned and crisp, about 4–5 minutes per side. Transfer to a plate lined with paper towels to drain. Once cool enough to handle, crumble into small pieces and set aside.
03 - In a medium mixing bowl, combine the softened cream cheese, sour cream, ranch seasoning, garlic powder, black pepper, and half of the shredded cheddar cheese. Stir until smooth and well blended.
04 - Arrange the chicken breasts in a single layer in the prepared baking dish. Divide the cream cheese mixture evenly among the breasts, spreading it over the top of each piece in a generous layer.
05 - Sprinkle the remaining cheddar cheese over the coated chicken, then distribute the crumbled bacon evenly across the top.
06 - Bake uncovered for 25–30 minutes, or until the chicken registers an internal temperature of 165°F and the cheese is melted, bubbling, and lightly golden on top.
07 - Remove from the oven and let rest for 5 minutes. Garnish with chopped chives or green onions before serving.