i just got done purchasing my iphones via upgrade program. went smoothly. separate line for those who had an appointment.
received an email from citizens bank regarding my "loan" for each phone that i purchased via the program.
rep swore to me that the phones were TOTALLY unlocked. told him about all the confusion online, said their reps sometimes suck but he was adamant that the phones via the upgrade program are totally unlocked. haven't checked yet, not opening my phone for a bit until i get home.
Can you give us some information about the credit check? Your general credit picture?
Also - what kind of carrier information did you have to provide?