Heat A Large Pot Over Medium-High Heat. Pour In Oil And Saute Onion And Garlic Until Golden-Brown. Stir In Tomatoes, Kidney Beans, Garbanzo Beans, Lentils, Tomato Paste, Oregano, Pepper, And Salt. Turn Heat To Low And Simmer 20 Minutes. Sprinkle In Cheese And Stir Until Melted. Serve Immediately, Or Cool And Freeze.