Cook the ground beef: In a large skillet over medium heat, cook the ground beef until fully browned. Season with salt and pepper. Drain excess fat if needed.
Crisp the bacon: While the beef cooks, fry the bacon until crispy. Drain on paper towels and crumble into small pieces.
Assemble the wrap: Lay the tortillas flat on a surface. Divide the cooked beef and crumbled bacon evenly across each tortilla. Sprinkle with shredded cheddar cheese and add any optional toppings you like.
Fold and cook the wrap: Roll up each tortilla to form a wrap. Optionally, heat a pan over medium heat and lightly cook the wraps on each side for about 2 minutes until crispy and golden.
Serve and enjoy: Slice the wraps in half and serve with sour cream or your favorite dipping sauce.