Thanks to all for your reply
Here is how things have progressed
I changed my voltage from 1.84 to 1.96V (Being conservative)
Other
In the bios, (Under Memory) on the bottom there is some information about the memory in the slots I cannot change, it reads: Channel A slot 0, 5-4-4-18 Channel B Slot 0, 5-4-4-18
Above (Under Memory still) if I change to manual, I can make changes in the voltage and timing. Before they read as follows: 5.0-5-5-18. They now read :5.0-4-4-18, after I made the changes. I did this to match the values in Channel A & B values below.
Also I noticed my Bios could be outdated currently it is XXXXXXXX2212 and the newest version as of 9/6/07 is XXXXXXXXX2792 with many versions in between. I downloaded the newst version but have yet to install, nor have I done a memtest retest. (Waiting for wife to leave the house)
For what it is worth, CPU-Z under the SPD tab reads: 5-5-5-18.
I do not have another machine to test them, so I may send them back.
I did play Oblivion and ran it hard and had no crashes, but that could be just a fluke.