Score Improvement before Loan

[Mysta]

So, I'm trying to get some debt paid off(just paid off a good chunk!) and plan to pay more off but trying to get an idea of next steps. 

So, how accurate is the credit simulator and how much is that a factor vs things like 'requested credit recently on an actual loan approval vs income. No missed payments or anything, the three negatives are high revolving credit usage, consumer finance account, and recent inquiries. Simulator shows I'll be in mid 700s depending on the bureau. So I guess my question is if I requested a larger loan(incremental to my last auto loan) would they be like "ok mid 700s, not terrible". Or will they be like "well you're mid 700s, but you were lower not long ago, so gl next time."

[Dj4Money]

 The simulator on Experian's website is pretty accurate.

 I paid down my cards (AZEO) to 8% when I was told to wait 30 Days to get a better rate from Capital One.

 My APR went from 18.99 down to 13.49 (Post Chapter 7 BK) on my current car. 

 I also did it when I bought my Focus ST, which got me a credit line increase from Capital One from $2500 to $5000. I used the card ($2250) for down payment instead of my cash.

 In that case I got 4.49% from TD Auto and 5.99% from State Farm but for less money. (myFICO 677 Transunion). I would have gotten a better rate from Ford Motor Credit but I didn't want to wait as I didn't get the same juicy incentives in June that happen in May (Memorial Day) and would have gotten progressively less money on the hood until Christmas.