Hi Ryan
At three months old I wouldn't go by what you have been told. Short of having something to magnify the pre-anal pores, or performing an endoscopy procedure on the cloacal opening, there is no definitive visual way to tell at that age. Males sometimes don't develope their bulges until they are 10-12 months old if they are really slow in development. I don't have any pics from underneath, but here are a couple of my cresteds from the side.
First is one of my females. Notice at the base of the tail there is no bulge. (Her belly is also dragging because she is gravid!
)
Next is one of my males. You can see a very prominent bulge at the base of his tail.
Both these geckos are about three and a half years old.
Hope this helps!