Whatever your political affiliation, there is now one financial issue on which we can all agree.

We need Congress to pass legislation allowing consumers to temporarily freeze and unfreeze their own credit files at no charge to help thwart identity theft.

In case you missed it, the credit-reporting agency Equifax recently discovered that criminals had gained access to people’s names, Social Security numbers, birthdates, addresses and, in some instances, driver’s license numbers.

In all, the hack could potentially impact 143 million U.S. consumers.

Stop. Just take that in.

More than 40 percent of all Americans are facing the possibility of identity theft. Their financial lives could turn into a nightmare.

With the information stolen from Equifax, identity thieves can theoretically access your bank account, file a tax return, open utility or mobile phone accounts, buy a car or even get medical treatment using your health insurance. They can also apply for a credit card. The hackers have pretty much all they need to steal your good name and live it up.

If you’ve been following the Equifax fiasco, you’ve probably heard by now that you should protect yourself by freezing your credit files.

A credit freeze is much more powerful than putting a fraud alert on your credit report. It’s the difference between a criminal getting into Fort Knox and breaking into a small metal lockbox.

With a fraud alert, a business must verify your identity before it issues credit. But alerts are often overlooked.

A freeze blocks access to your credit report and credit score. The credit bureau can’t release any information in your file without your permission. (Although companies you currently do business with will still have access to your files.)

When you’re ready to get a loan or need someone like a prospective employer to view your file, you can temporarily unlock it, give the company access, and then lock down your files again.

However, in most states, unless you’ve been a victim of identity theft, a credit freeze will cost you. What you pay varies by state, but the typical fee is $10.

“What truly galls me about the hack is that Equifax and the other credit agencies stand to make money from this egregious security failure,” one reader wrote. “This situation really calls for stringent regulations.”

Ding, ding!

There isn’t a federal credit freeze law. There needs to be one now.

Democrat Ron Wyden of Oregon has just introduced the Free Credit Freeze Act in the wake of the Equifax breach.

When it comes to the credit bureaus, “we are the commodity,” said National Consumer Law Center attorney Chi Chi Wu. “We can’t walk with our feet. The freeze gives a measure of control.”

It was consumer pressure that finally resulted in a law giving consumers free access at annualcreditreport.com to their own credit reports every 12 months.

Equifax is waiving its freeze fee until Nov. 21.

That’s not good enough.

Let’s all get behind this bill. This can’t be a partisan issue. Too much of your financial information is at risk.

“Republicans got their Social Security numbers hacked too,” Wu said.

Call your senator and House member to demand free freezes.