I just found a bug where I could equip my elite skill before lvl 40.
I was exploring around in the Ascalon Basin, South East of the Charr starter zone and Secunda the Watcher started a dynamic event. "Acquire a skale tamer from Secunda and use it to tag and tame nearby skale.
upon getting the bundle my 8-9-0 skills all unlocked. (my 7 was already unlocked because I am lvl 14)
I could put skills freely on them now. and the biggest error was that my ELITE SKILL was unlocked as well, since I have the pre order version with the Mistfire Wolf skill unlocked from the get go, I am now a lvl 14 Necromancer Charr with an elite skill.
TL:DR version: if you pick up a bundle item your 7-8-9-0 skills all “unlock” and you can put skills on them before their intended levels.
EDIT,
I tested it with a different bundle item, an Ogre hammer just a bit up North around Watchcrag Tower Waypoint and it didn`t allow me to switch out skills. so it doesn`t work for all bundles it would seem?
I came across this issue myself earlier today, human guardian with the keg at krytan freeholds, after the bandit steals it from the sister. now i’m a level 20 guardian with a mistfire wolf elite skill. I didn’t however notice the utility skills unlocking. i made the character over a year ago and didn’t play him until now XD. Submitted, though i thought it might have been the extreme coincidences, turns out t’s just the bundles.