EVGA's Votage tuner and Overvolting Help?

[bushwickbill]

I have been trying to find my new Max OC. Recently I have found that If I don't put my Shader clock past 1404 and keep my Core at 702Mhz I can run my Mem clock all the way to 1260Mhz (2520Mhz Effective)
Now, When I open EVGA GPU Voltage tuner the voltage is always at 1038Mv, Even when Running it max load and at a high Overclock. And that is below the said "default voltage" of 1125Mv. So I really am only raising the volts to the supposed stock voltages?
So If I am only raising the voltage to the said "Stock Voltage" Am I really Overvolting my GPU? If Using 1125Mv is not consider Overvolting then maybe /I will keep it at 1125Mv to maintain higher OC's?
Can someone please shed some advice on raising the volts. I am only talking raising the volts to the default level as stated by EVGA Voltage tuner.
On the EVGA voltage tuner screen it says
Current Voltage: 1038Mv
Min Voltage: 825Mv
Max Voltage: 1288Mv
Default Voltage: 1125Mv?????
So by looking at that little chart I am trying to find my Max OC on a voltage that is under its' default voltage. So By me Raising the Volts to 1125Mv which is the supposed Default Voltage am I really Volt Modding my GPU?