Forgiveness IS given if you believe. God tells us that! Believe and you shall be saved! It is of course good to talk to God and tell him you know you've done wrong and want to turn away from your sin, and that's all you really need to do!Depending on your denomination, maybe nothing at all. As a Catholic, I confess my sins to God through a priest, as described in the Catechism, based on the practice prescribed in the letter of James.
There are some Christian denominations which preach that once you have accepted Jesus as your savior, you have no need to ask forgiveness again. Again, as a Catholic, I believe that forgiveness is freely given, but only if we do ask for it and are actually sorry for the transgression against God. What it comes down to is this: God knows if we are truly sorrowful for our sinful nature or if we are living sinful lives in the expectation that our "belief" in Jesus covers all our actions.
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