Evidently, in our day, too many don’t share God’s view of sin. Instead, they insist that they’re good by nature and can earn God’s acceptance, having no need to seek from Him the forgiveness of sins. The truth is, however, that we sinners have a debt to God that we cannot pay. As such, our only hope is in God Himself, who graciously credits the full payment of debt to all who receive and rest on Christ alone. Wrapped in the robe of righteousness that He provides, we exult in our God, confessing as one, I believe … in the forgiveness of sins.

As we come to Article 10 of the Apostles’ Creed—I believe … in the forgiveness of sins, we’re still in what we take to be the third section of the Creed, where the focus is on the person and work of God the Holy Spirit. It might strike us as odd that the forgiveness of sins is placed in this section. After all, in the Sermon on the Mount, Jesus assumes that we will make our requests for pardon to our Heavenly Father (Matt 6:12). Meanwhile, the Apostle Paul tells us that it was Christ the Son who purchased forgiveness for us in His cross work (Eph 1:7). Nonetheless, we also remember that the Spirit’s ministry is to prove the world of sinners wrong about sin, righteousness, and judgment (John 16:7-11). In God’s application of salvation to sinners, we can say that the Spirit makes the first move necessary for us to receive forgiveness. So, what is it that we confess when we declare, I believe in … the forgiveness of sins?

To unpack this article we’ll start with this question: do we share God’s view of sin? In Scripture, of course, God talks about sin and condemns it as failure to conform to His nature and moral law in our actions, attitudes, affections, and nature. In briefer terms, sin is failure to be or do as God requires. Sin is also described as a debt. In the Lord’s Prayer, the forgiveness of sins is the forgiveness of debts. We should know why our sins are debts. It’s because we owe God obedience; that is, we have a debt of obedience to Him, particularly when we disobey. Our disobedience, in truth, expresses hatred of and indifference to God and His requirements, quite the opposite of what we owe Him. Recognizing the reality of personal sin, then, is affirming that we aren’t what God requires us to be, and we don’t do what He requires us to do. In fact, we can’t be or do good as He requires (Eph 2:1-3; Rom 3:23; 5:18-19). Yet, as recently as 2020, almost two-thirds of people surveyed believe that most people are good by nature. Friends, if this survey is accurate, deception about human nature is rampant. The Apostle John is clear: If we say that we have no sin, we are deceiving ourselves and the truth is not in us. … If we say that we have not sinned, we make God a liar and His word is not in us (1 John 1:8, 10). The Apostle Paul is blunt: none is righteous, no, not one; … no one does good, not even one (Rom 3:10, 12). The point? Only by affirming God’s view of sin can we also rightly affirm the forgiveness of sins as we confess it in the Creed’s tenth article.

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