For follow-up discussion and general commentary on the topic. Comments are sorted chronologically.
"For the blood of bulls and goats can never take away sin." Therefore, sins of believers prior to Calvary were forgiven on credit. But when Jesus bowed his head and said; "It is finished," sins were stamped PAID IN FULL!
Jesus is not going to save you, He has already saved you. He just wants you to accept and believe it!