01 - Preheat oven to 400°F. Lightly grease a 9x13-inch baking dish with nonstick spray or butter.
02 - In a skillet over medium heat, cook the bacon slices until crispy, about 4–5 minutes per side. Transfer to paper towels to drain, then crumble into small pieces once cooled.
03 - In a mixing bowl, combine the softened cream cheese, sour cream, ranch seasoning, garlic powder, black pepper, and half of the shredded cheddar. Stir until smooth and well blended.
04 - Arrange the chicken breasts in the prepared baking dish. Spread the cream cheese mixture evenly over each breast, covering the tops completely.
05 - Sprinkle the remaining cheddar cheese over the coated chicken, then distribute the crumbled bacon evenly on top.
06 - Bake for 25–30 minutes, or until the chicken reaches an internal temperature of 165°F and the cheese is bubbling and golden on top.
07 - Remove from the oven and let rest for 5 minutes. Garnish with chopped chives or green onions if desired, then serve warm.