There are exactly four pauline verses that uses the term "forgiveness of sins." All of them implies that forgiveness of sins is received upon one's belief in the gospel and not at the cross of calvary. That Christ died for our sins at the cross, there is no question. countless of verses prove that fact. Is His death, however, equal to forgiveness? Is there any verse that says that? Is there any verse that expressly says that forgiveness happened at the cross? Does this mean that even the unsaved have received forgiveness of sins?

In this study, we tackle these questions and look at the problem of this teaching, the timeline of forgiveness of sins in our dispensation, and the significance of this study.