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This question was addressed in the Catechism of Trent.
*…it is so much the special province of **Penance *to remit sins that it is impossible to obtain or even to hope for remission of sins by any other means; for it is written: Unless you do penance, you shall all likewise perish. These words were said by our Lord in reference to grievous and mortal sins
…those parts which constitute Penance, so to say, whole and entire; namely, contrition, confession and satisfaction. On these St. Chrysostom thus speaks: Penance enables the sinner to bear all willingly in his heart is contrition; on his lips confession; in his actions entire humility or salutary satisfaction.
Penance is composed of contrition, confession, and satisfaction and without penance (“whole and entire”) it is "impossible to obtain" remission of sins. So it would seem that not only are we not forgiven our sins before repentance but that repentance alone is insufficient.
Ender
*…it is so much the special province of **Penance *to remit sins that it is impossible to obtain or even to hope for remission of sins by any other means; for it is written: Unless you do penance, you shall all likewise perish. These words were said by our Lord in reference to grievous and mortal sins
…those parts which constitute Penance, so to say, whole and entire; namely, contrition, confession and satisfaction. On these St. Chrysostom thus speaks: Penance enables the sinner to bear all willingly in his heart is contrition; on his lips confession; in his actions entire humility or salutary satisfaction.
Penance is composed of contrition, confession, and satisfaction and without penance (“whole and entire”) it is "impossible to obtain" remission of sins. So it would seem that not only are we not forgiven our sins before repentance but that repentance alone is insufficient.
Ender