Watch this:
And he entered into a ship, and passed over, and came into his own city. And, behold, they brought to him a man sick of the palsy, lying on a bed: and Jesus seeing their faith said unto the sick of the palsy; Son, be of good cheer; thy sins be forgiven thee. (Matthew 9:1-2 KJV)
OK, where was the repentance? Jesus unilaterally forgave him of his sins for no other apparent reason than that he knew it would get the Pharisees goats. It did.
In the parallel account in Mark we read:
"And when they could not come near Him because of the crowd, they uncovered the roof where He was. So when they had broken through, they let down the bed on which the paralytic was lying. When Jesus saw their faith, He said to the paralytic, 'Son, your sins are forgiven you.'" (Mark 2:4,5)
In this case there was a genuine expression of faith.
Which underscores the point, of those at the cross, if they believed on Christ then they would receive forgiveness of their sins. Not until.
I'm not sure why you continue to kick against the testimony of Scripture? What does it serve to insist that those who are not in Christ may not have had one sin charged to their account?