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AT&T tries to defend why it shouldn't let you unlock your phone sooner
(www.androidauthority.com)
This is a most excellent place for technology news and articles.
They automatically unlock it once it’s paid off. They have a disclaimer that it needs to stay on the network for 60 days after it’s paid off, but I think that’s a CYA because mine was unlocked within a day of the last payment.
I just checked and I have 6 unlocked phones on my account and never requested any of them.