CCT is Credit Check Total, a great service that with a $1 trial you can get your 3 FICO 08 scores and 3B reports twice. You get them once the day you sign up, then get them one more time 7-10 days later (your choice when during that range). The only catch here is that you need to remember to cancel your $1 trial during the 7 day membership. I recommend cancelling right after signing up or the following day just so you get it out of the way and don't forget. Also, there's no limit to the $1 trials, so if you'd like to do another a month from now you are more than welcome to using your same user name, PW, etc; There's no need to make additional accounts to do this. I've done probably 40 trials, give or take.
Those with myFICO membership experience are probably better equipped to answer your other question, but I'll try. MyFICO from what I understand provides you with a new FICO 08 score any time an alertable change is made to your credit report. This can be something like paying off a credit card, or an inquiry being added to your report. Many things however may not be alertable, like bringing the utilization on a credit card from 8% to 50%, for example. It's important to undertand that the score provided at the time of an alert often has nothing to do with the alert you received. It's a common misconception that because you received an alert and a new score to go along with it that the score change is related to the alert. Many times it is not.
Using my example above, say you receive an alert that you paid off a credit card. There's a chance that paying off a credit card will have no impact at all on your score. Perhaps your balance on the card was only $5. Paying it off to $0 likely makes no change to your aggregate utilization and if no number of cards reporting balances thresholds are crossed this would be seen as a non-event in terms of FICO scoring. Now, say 6 days before you received this alert, one of your other credit cards went from 8% utilization to 50% utilization reported. When you receive your updated FICO score from paying off your one credit card, your new score may be say 10 points lower. Naturally, you may think it was from paying off the card when in fact it was from taking your utilization up on a different card, which was a non-alertable event. Hopefully that makes sense.
The basic answer to your question then, is you'll receive new scores as often as you receive a myFICO alert. This could be once a week, or if you have nothing changing on your credit report could go months without happening, thus you'd only get your quarterly update. Many have said that the alerts they get from Credit Karma, Credit Sesame, WalletHub and other free services are as good or better (faster) than MF. Since I don't have MF, I can't comment. I do know that during my last CC spree in May when I applied for 3 cards I received 3 alerts from those free services mentioned above within minutes of the applications. Can't beat that for monitoring, especially for free.
