Cook the bacon: Bake or pan-fry until deeply crisp. Drain on paper towels, then crumble. Set aside about one-third for topping.
Mix the creamy base: In a bowl, beat the softened cream cheese until smooth.
Stir in sour cream and mayonnaise until fully combined.
Add seasoning: Sprinkle in ranch seasoning and a few grinds of black pepper. Taste and adjust with a pinch of salt if needed, but be mindful—bacon and cheese add saltiness.
Fold in the cheese: Stir in cheddar and mozzarella. You want a thick, scoopable mixture.
Stir in bacon: Fold in the crumbled bacon, reserving the portion for topping.
If you like heat, add a few dashes of hot sauce.
Warm it up (optional): For a hot, melty dip, spread the mixture into an oven-safe dish and bake at 350°F (175°C) for 12–15 minutes, just until the cheese is soft and the edges bubble slightly. You can also serve it cold—both versions are great.
Prep the fresh toppings: Dice tomatoes and shred lettuce. Pat the tomatoes dry with paper towels to reduce moisture.
Assemble and serve: Just before serving, top the dip with tomatoes, lettuce, remaining bacon, and green onions.
Serve with chips and veggies on the side.