Preheat oven to 450 degrees
In a medium bowl, mix the softened cream cheese, cheddar and monterrey Jack cheeses. You can add as much or as little of the shredded cheeses as you like but I usually go on the heavy side!
Add bacon to cheese mixture and combine thoroughly.
Add salt and pepper to taste. Mix once again. Set mix aside in the fridge for at least 30 minutes.
Slice Jalapeños length wise, keeping stems on. Remove the seeds and membranes. Tip: A citrus spoon helps accomplish this better than a regular spoon.
Place jalapenos on parchment or foil lined, rimmed baking sheet.
Using a spoon, fill the jalapeno boats with the cheese mixture, pressing gently to eliminate any gaps or air pockets. Tip: Chilling the cheese mixture for at least 30 minutes will help it adhere better to the jalapenos and produce a nicer presentation.
Bake at 450 degrees for 10-12 minutes.