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211BJH

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make my score better
748 is my score - how can I make my score reach the 800's
I pay all my bills on time and have little debt

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This is how your credit score is compiled:  35% is payment history, 30% is utilization, 15% is credit history (age of account), 10% is mix of credit (auto, mortgage, credit card, personal loan, line of credit, etc.), 10% is inquiries.  I'm betting the only way to increase your score is to get some different types of credit, but only if it makes financial sense.  Otherwise, time is the only thing that can help.  To learn more, visit www.credit.about.com.

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