(954) 737-1176



Financial freedom is

for everyone

TEXT (954) 737-1176

Our service works in 3 steps

Our 3-Step process is custom-tailored to your needs. Our team will customize a strategy that fits your goals and existing credit profile to help maximize the effectiveness of our programs.

Step 1. Consultation With Our Team

Credit repair starts with education and consultation. We explain what credit factors are most important and how we can help you achieve 100% credit restoration.

Step 2. Clear Up Your Credit Report

Many times your credit report will show items that are inaccurate, out of date, or that have already been settled. We help you clear all inaccurate negatives. This provides for a true credit score.

Step 3. Build A Roadmap For Credit

Building your credit requires more than paying off debt. We consult you on ways to enhance your lending worthiness resulting in higher scores and greater approval odds for potential loan applications.

Our Story

About Us

We understand that everyone has different credit repair needs and that having poor credit can oftentimes be frustrating, or even confusing in how to deal with it.

BCIC Credit Repair lifts this burden from your shoulders. Our services not only clean up your credit report but during the process, we will consult you on ways to maintain a good credit score and methods on how you can increase your overall lending worthiness.

As Michigan’s top credit repair company it is our goal to help clients achieve 100% restoration. During this process, you can expect to see your current score gradually increase. However, depending on your current credit condition, results can vary. The majority of our clients will see improvements in as short as 30 days.

What all do we offer?

“Bad Credit Is Childish is a brand created to educate and inspire people to learn more about the importance of a positive credit score in America.”


What can be taken off from my credit bureau report?

We can take off unpaid collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens, civil liens, judgments, student loans, credit card debt, inquiries, slow pays, old addresses and all incorrect names.

Do accounts taken off from my report ever come back?

On average only 1 out of 10,000 will re-appear back on your credit when we remove the account.

How long does information remain on my report?

Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7, Chapter 11 and Chapter 13 Bankruptcies are each reported for 10 years and the date is measured from the date of the filing.

Why do bureaus not want me to use a credit repair company?

The credit bureaus will tell you that it is easier and less expensive to do it yourself. While it may be true that you have the right to repair your credit yourself, many individuals do not have the time, experience and organizational savvy necessary to deal with bureaucracies. You must also spend hours of study to gain a working knowledge of the consumer laws available to you.

How long will it take to repair my credit?

There is no definite answer, only definite advantages as the time varies depending on the initial credit status of each customer. On average it takes between 90 to 180 days for Time Travel Credit Repair to repair your credit, as long as you are sending the credit bureaus back in a timely manner.

Does paying off my bills repair my credit?

The credit reporting system doesn’t work that way. When you pay an old debt, the negative credit listing doesn’t disappear. In fact, it re-ages and the seven year clock begins again with that negative listing. The most ironic thing is that a paid, current negative listing is not any better than an unpaid negative listing.

Who can see and access my credit report?

Anyone who wants information for a business transaction between you and them may obtain your credit report. This may include an insurance company, a prospective landlord, a prospective employer, a collector or a government official.

Why should I use a credit repair company?

The most common reasons are that individuals either have already tried themselves with limited results, or they just don’t have the time to undertake this task. If you decide to use us, you can be assured that you will be receiving the best assistance and service possible.


Will was awesome. In just two days he had fixed the issues I had and had jumped my credit score over 30 points. Was able to refinance my home on a 15yr loan and cut years off my mortgage with a very good interest rate and payment lower than the previous. Thank you Will. Life changing for my family and I.

Bradley Garner

Credit Repair Customer

I highly recommend Time Travel Credit Repair. Speaking from my own experience, they are true professionals who do not judge you on your current credit issues as they have seen the worst of the worst, but they are focused on getting items removed from your report and put you on a path to financial freedom. Give them an opportunity to help you and trust me, you will not be disappointed.

Jeff Lahman

Credit Repair Customer

I highly recommend time travel credit repair they are a great company if you are in need of getting your credit score up this is the company for you, they have truly changed my life and help me get to the next level and to achieve the goals that I really wanted to thank you time travel credit

JT Thompson

Credit Repair Customer

Our mission is to help repair your credit.

Operating and proudly serving our communities since 2019.

301 W Michigan Ave Suite A10 Ypsilanti MI 48197


(954) 737-1176

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