Hello Smith
I felt something like this a few years ago, so wonder if my own experiences might help to point you in the right direction.
I was saved in 1992, but it took me until 1998 to recognise my sin!
I think I still harboured the thought that I was not really too bad a person, and perhaps that would be good enough!
You might argue then that I was not saved.
Sometimes I even wonder myself, yet then God reminds me of the times He spoke to me, guided and comforted me in those in-between years, and I know I was His even then. It's a mystery.
I knew He was God and Saviour, and I knew I was an imperfect human, in need of Him, but really I didn't get too specific about what I'd done wrong.
Have you tried asking God to reveal to you what might be in your past which needs His grace and forgiveness to flow over it?
You might want some help there, as I did.
I suffered from deep depression and fear because I wasn't facing up to things, then I realised I was afraid of the Holy Spirit and something was wrong.
I was so blessed to be in the right place at the right time. God is kind.
A couple in ministry together helped me face my past, leading me lovingly but firmly through some basic steps to recognise my true self and repent of particular things.
Particular stumbling blocks for me were unforgiveness, (quite a common one I've since realised - check it out first!), also past interest in various occult/non-Christian spiritual things generally, which I'd dropped years earlier but not yet identified as personal sin, and therefore never actively repented of.
After I had been helped to repent and recieve healing prayer I was healed of the depression and felt so free and cleansed.
One note of caution - depression is not always or exclusively due to sin - I wouldn't ever suggest that to a sufferer! But it played a huge part for me, and although I'm still prone to being low, I no longer get that black, empty, fearful despair.
God bless you as you seek His peace over this,
Susana