George Hotz, aka geohot, posted on his Twitter account that he has found an exploit to unlock any iPhone that contains the 05.11.77 radio baseband found in the 3.1.2 iPhone software. This new unlock tool, blacks0w, will be released to the public on November 4th and yes, it does contain hackivation!
Something else that everyone should take a look at is a post that Hotz wrote up on his blog regarding all of the websites out there that sell unlocks and jailbreaks to people who don't know any better. These tools that jailbreak and unlock are a simple google search away and don't cost a penny. These people who run these sites truly are scum that are simply ripping a lot of iPhone owners off.
All we can do to help shut these sites down is to just spread the word. The more of us who are aware the better.