You can monitor your CPU frequency in the Task Manager-> Performance-> CPU (CTRL-ALT-DEL).
If the overclock is NOT dropping then I don't see how your overclock is affecting anything. If it IS dropping then it may be THERMAL throttling due to insufficient cooling.
I also recommend running MEMTEST www.memtest.org (full pass), and a CPU diagnostic. Prime95 might not be the best one but I use Intel so use the Intel CPU diagnostic utility. Not sure if AMD has one of their own.
Other:
I'm not sure what CPU COOLER you have. The Cooler Master Hyper 212 EVO is a lot better than the stock cooler and fairly cheap. If interested verify it's compatible with your case and motherboard.
Other:
As said your GPU is pretty low-end. I did a comparison and I think it was something like 4X slower than a GTX750Ti. It has 8X less cores than the comparable architecture GTX680 and a lower frequency to boot so might be closer to 10X less performance than that.
Passmark GT630:
http://www.videocardbenchmark.net/gpu.php?gpu=GeForce+GT+630
Passmark GTX750Ti:
http://www.videocardbenchmark.net/gpu.php?gpu=GeForce+GTX+750+Ti
*I'm not trying to make fun, but rather recommending you investigate getting a GTX750Ti, or go as high as a GTX950. The amount of CPU bottleneck will vary by the game but some modern games with your CPU and one of these GPU's will be quite playable.
Tomb Raider for example would probably play quite well.
*Note that AMD GPU's are not recommended with that CPU as their poor DX11 drivers are very prone to cause CPU bottlenecking and performance loss when pairing a relatively weak CPU with AMD GPU's.
GPU performance
(CPU bottleneck will affect this, and vary a lot by the game but you can still compare the GPU order.)
https://www.techpowerup.com/reviews/EVGA/GTX_950_SSC/30.html
*The GTX950 is over 5X faster than the GT630 (again with better CPU) for reference.
Prices (USA):
$95 (after rebate) for Asus GTX750Ti 2GB:
http://pcpartpicker.com/part/asus-video-card-gtx750tioc2gd5
GTX950... Cheapest is $140 (after $10 MIR and $10 code) so I'm not sure if the value is there for your system. Investigate more if interested.
Cheers.