I've seen several posts that say the ONLY sure way to tell if a phone is unlocked is to borrow a friend's sim card from another carrier. If I DID that and activated it, would it still be good when it went back in my friend's cell phone. Unless I knew for sure, I don't think I would want to activate it just for an "unlock test".
By the way, I did unlock my ATT phone, but i also never received a message from ATT as the instructions say. I did or so I was told, confirm it with an ATT tech who also told me that he saw a note that I DID get the unlocking notice.