Slider Turtle Shell Problems?

Hi, so I have a yellow belly slider turtle that I got from petco a little more than a week ago(petco is the only place around where I live that you can get turtles). She (or at least I think it is a she) is currently in a 40 gallon tank (cycled) with a tetrafauna 55 gallon reptofilter and a tetra whisper 20i. I also have a heat bulb and a uvb/uva bulb. The temp over the basking area is currently 95 degrees ( I am pretty sure this is too high...please let me know) I did some research before I got my turtle and I will be upgrading her tank to a 75 gallon and when/if she outgrows this tank she will go into our turtle pond outside (we live in florida so no worries about Sun/heat) she is about 31/2 to 4 inches right now.
Here are some of my questions...
Is this enough filtration? I have an extra cycled filter that is currently running in my divided betta tank but it has 2 filters that could both cover the bio load on there own if need be.
My turtle dosent seem to bask often... I saw her basking 2 days ago but I was home all most all day yesterday and didn't see her bask once... I am worried that she can't get up to bask...(she is eating fine and swims around alot)
How often should I do water changes... I change my betta tank every week, should I do the same here?
Is her shell messed up... I don't really know what they should look like but it looks weird to me... I have only had her a week and it isn't much different than what it looked like when I got her but I am thinking it is unhealthy


Sorry I can't get good pictures right now... I will try later when I get home



TIA

 

You could try allowing the basking spot to be more accessible. Try moving one of those rock ledges beneath it, and maybe she'll get up there.

I would crank the temperature down to 88 - 90°

 

I am not sure how to lower the temp... it is the heat lights that make it hot so how do I turn it down? I need a rock ledge to lift up the filter so should I get another? I have seen her up on the basking thing before so I don't think she has problems getting up there




Here are some better pictures of the shell

 

She looks perfectly healthy to me.

If you've seen her bask before, then there isn't any problem. You can lower the temp by raising the lamp higher above the tank.

 

Okay thank you for all your help


so their shells normally look like this when dry...

 

Yes, but there's no problem with your turtle.

Just make sure she eats, swims, and acts normally.

 

Okay... thanks I get a little paranoid with my pets

 

So do I, and I have 20 pets to think, and care for.