If you have no clue what to do, or have no idea how to turn a computer on (all mumbo-jumbo technicalities to you, I know...), then you should have someone else do the unlocking for you.
WeŽll help anyone, but you should AT LEAST take the time to inform yourself a little bit before begging for a "unlocking for dummies" explanation. Unlocking the iPhone is relatively easy (as youŽll see for yourself after reading a bit), but if something goes wrong and you donŽt know what youŽre doing, then youŽll be in trouble.
By the way, there are about 4 applications out there that do exactly as you told. TheyŽre all explained in detail as "stickies" on this forum. Again, READ!
Anyhow, this might help you: http://www.iclarified.com/entry/index.php?enid=849