What does that mean? If you're not overclocking, the voltages should be set to AUTO. Have you checked the PC Health section of the BIOS? What are the voltages reported as there? If they are correct (or reasonably close), I would suspect the program you're using isn't reporting accurately. Your CPU voltage should be 1.35v. RAM voltage varies by manufacturer...the default may be 2.5, 2.6, 2.7, or 2.8v depending on what you have.
You didn't answer my question...what voltages are being reported in the BIOS?
The CPU voltage IS the one you should be worried about. Running a 1.35v CPU at 1.55v is a pretty hefty increase, especially if you're using the stock HSF. If your RAM is supposed to run at 2.5v, it's only 0.05v higher than normal. Most people routinely throw an extra 0.10v at their RAM anyway, so there's nothing to be concerned about there.
Go into your BIOS again & check the voltages under the PC Health Status Menu.
I'm experiencing a similar problem - my BIOS reports all voltages are at their default levels, but the NVidia Monitor software reports they are all too high. For example, BIOS says CPU Core is at 1.32V, whereas NVidia says it's at 1.45V. I've flashed the BIOS with the latest software, but that didn't make any difference.
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