What's the difference between Fat vs curvy?

Ok, I consider myself curvy. I mean, actually curvy, in that I have big , wide hips, and a waist. I work hard for my figure, and am proud of it. But I feel words like curvy and voluptuous are being used by overweight people, and I no longer know how to clify myself. Do you feel the same way? How do you clify curvy? voluptuous? fat?