Macdaddy, part of the problem might be the tool itself. Are you using an F895 that you bought recently? I've found that most of the modern figure bevelers from Tandy have a very sharp edge around the sides of their beveling surface. With that sort of edge I don't think there is any way not to get tool marks when trying to use them. I'm lucky enought to have a set of old Craftool figure bevelers and they do take a little more skill than a regular beveler, but they are usable. They have very rounded edges so they don't leave sharp lines or chatter marks when you use them, and they are very good at matting. The modern versions IMO are almost useless. I've toyed with the idea of tying to file down the sharp edges to make them useable, but I have the old tools plus a couple of Robert Beard figure bevelers, so I'm not very motivated to try it.
BUT - even with good tools, it takes a lot of practice to get those folds you are trying to do to look good. I've had some success with a lot of practice, but I'm not great with these tools by a long shot.
Hope this helps,
Bob