When websites say a 20% over clock most think as you, 3.0xGHz + 20% = 3.6GHz. They are misleading the buyer, thinking they are getting more bang for the buc. What they mean is that they will take the native 133 and add 20% to that. I will show you some examples of overclocks.
There are many settings to be dealt with when overclocking a system and variables that a bulk builders can not do within cost limits. One is environment, it does not make good business sense to call each customer that requests overclocking and get the environment info. Higher overclocks take hours to dial in to be stable. The boards running speed, the memory running speed, CPU speed, voltages to all of these in addition to the QPI speed all are factors when overclocking. Then you have the multipliers for the each which in turn all finally relate to each of the others components speed.
Here is an example of stock settings at a CPU multiplier of 21x. Notice the CPU frequency "overclock" of -0.2%, this is normal. Also take note of the Bus Frequency. My memory multiplier here is 10x or 10 x 133 = 1333
Now here is the Same settings with a multiplier of 22x. No change in the Bus Frequency but the multiplier has been moved to 22x now having a 4.5% over clock. Still the same memory multiplier 10x.
Lets overclock, this CPU can hit 4.0GHz Stable without issue on air (with the right environment), but the main thing is to show how the multipliers work.
Here is a so called 50% overclock having the CPU running at 3.8GHz with a bus frequency of 200. But I had to change my CPU multiplier from 22x to 19x (200 x 19 = 3.8) I also changed the multiplier on the memory from 10x to 8x, 2x lower but it boosted my memory from 1333Mhz to 1600Mhz
Things get interesting now and here is where the site and their 20% overclock trick comes into play.
Here is again a 50% overclock but my CPU is now at 4.0GHz still with a bus frequency of 200, I changed the multiplier to 20, but its still only a 50% overclock, memory multiplier is still the same, running at 1600Mhz.
Here I wanted more memory speed and less CPU speed so the Bus Frequency is changed to 180, therefore running the CPU at 3.6GHz but I changed the memory multiplier to 10 giving me 1800MHz off of stock 1333 memory. Memory manufactures will let you OC the stick as high as you can get as long as you do not go over the voltage requirements from them.
Conclusion: They most likely did OC you system but only the board and took the mulitplier down due to time constraints when OCing a system. I am willing to bet your system is running at 160 but the multiplier for both your CPU and memory are turned down. I believe the multiplier for the 950 is 22x max.
My $0.02 worth
TD