Skin on Penis Stretched

Hello,

I am 20 years old, circumcised, and have masturbated (dry) since 11 with no issues whatsoever.  I first had sex at 19; everything went fine, and has been.  Now, after having sex about 3 days a week for a year, I have an issue.  

About 3 months ago, I began getting small splits in the skin directly underneath the glans of my penis.  This happened after intercourse, as well as after dry masturbation.  Doctors were confused, and prescribed bacitracin and clotrimazole on separate occasions.  The tears happened about four separate times, each lasting 2-3 weeks, before healing.

The splits still happen very rarely, but the skin on my penis has stretched.  Again, I was circumcised at birth.  But now, the skin on my penis covers the glans when I am not erect.  This has never happened before, and is uncomfortable.  I am worried that if the splits keep occurring, my skin will continue to stretch, and I will become more and more uncomfortable.

If anyone has any information regarding the stretching of the skin on my penis, or the splits in the skin underneath the glans, it would be much appreciated.  Doctors have been little help, I am worried I will not find an answer.  Please help.

Thank you