You are correct on my initials.
Given what you've just said, I think you have positive incidence in the horizontal stabilizer.
The stabilizer is going to determine if the plane flies tail high or tail low or tail neutral. In my experience, the tail always finds it's way level when flying. It doesn't care where the wing is. The stab wants to track level. With positive incidence in the stab, the tail will fly too high and force the nose down. Up elevator trim is being used to correct and make it fly straight. I had this same problem on a Seagull Decathlon.
You can't really adjust the stab incidence now. Not without tearing it apart as you already know.
But the engine and wings are both adjustable.
You need an incidence meter. I'd prop the tail up until your stab shows 0 degrees. Then I'd put another incidence meter on the wing. I'll bet money the wing reads negative incidence at the leading edge. Thats because the stab is off to the positive side. Al you gotta do is drop the trailing edge of the wing until it reads 0 degrees on the incidence meter. This can be done with one incidence meter, but it's a helluva lot easier with 2.
The wing is on a tube. You should have an alignment dowel at the trailing edge of the wing. All you need to do is enlarge the holes in the fuse and cut some 1" donuts from lite-ply. Drill a tight hole in the center for the dowel. With the holes in the fuse enlarged, you can easily move the trailing edge of the wing up and down. Get your incidence set at 0 and glue the donuts to the inside of the fuse while the alignment dowels from the wing are sticking through. Done.
Once the wing and stab are both set to 0 degrees, I'd fly it with the CG at the middle of the recommended range. You'll need to see how it flies with the stab and wing at 0. Then adjust your engine accordingly. If it climbs when you chop throttle, you need upthrust. If it dives and drops the nose when you chop throttle, you need down thrust.
I got 2 incidence meters if you need to borrow one. Let me know. You got my email. [sm=thumbs_up.gif] You ought to come over to Pete W. house and see what we've got cookin' in his shop. We're both armpit deep in multiple projects. Tons of balsa dust and CA fumes to snort. Maybe even a beer. [8D] Careful though, Pete will hand you a sanding block and a fuse if you let your guard down.