Do you have a digital thermometer with probe or temp gun? I seen the analog thermometer and they are really inaccurate. Where is your thermostat probe? Is it inside or between the uth and tank? If its between the uth and tank you will need to set your thermostat higher to get the correct temp inside, that's where the probe thermometer or temp gun comes in. Make sure your temp under your substrate is no higher then 95 do to burrowing. If you can't get temp on top of substrate high enough while keeping 95 under substrate you will need to remove a little of the substrate.
The thermostat probe is just beneath the surface of the substrate if it's not on top.