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Tom said:
evangelist

What gives you the idea that the answers given so far conflict with the Bible?
The onus is on you to show where and how they conflict with the Bible.
Your statement makes it sound like you believe that once someone uses language outside of the Bible to explain what the Bible means, they are automatically "man's theology" and therefore wrong.
Is this what you believe?

Tom

Yes!
I look at the bible as my final authority.
if i was RCC i might have another belief.

But, if I clearly taught elsewhere that repentance/belief alone was sufficient no one would think coming forward is necessary for salvation,or water baptism is necessary for salvation.