Wrong. Nothing you have quoted states your exception. The Church teaches that those still alive can pray for the dead and that sins can be forgiven, but it most certainly does not say that you can repent and** do pennance **after you have died. No other Catholic here (except perhaps rinnie) would agree with you.
CCC
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It is the *irrevocable *character of their choice, and not a defect in the infinite divine mercy, that makes the angels’ sin unforgivable. “There is no repentance for the angels after their fall, **just as there is no repentance for men after death.”**272