Literal marks for being bad goes in a book held by a supernatural being so that when it’s judgment day almighty God can decide the appropriate punishment, the degree of Hell in which to send those whose name isn’t in the book of life.
For those who are in the book of life the marks will allow God to decide on the appropriate rewards meant for good works. The bad marks can cancel good works out and lessen rewards to be received or the recipient will receive nothing but the reward of entrance into Heaven.
This belief is held by a few different faiths. The Christian religion has faith that there will be a judgment day where marks for being bad will have to be justified before God. God will decide punishment and rewards at this time.
In this belief keeping score and accountability for marks is flawed by the belief that salvation through Jesus Christ, believing Jesus died for your sins, washes away your sins in the eyes of God.
If sins are forgiven there are no marks. Sins are as if they never existed. If sins never existed the good marks wouldn’t exist. There would be no need for degrees of punishment in Hell or degrees of reward in Heaven. There would only be one punishment fits all and one reward fits all. One sin is no worse than another sin and no good work is better than another good work.
Justifying literal marks for being bad after salvation could mean marks for bad deeds without asking forgiveness or for those sins that took place after salvation in which forgiveness was not asked. After salvation future bad works still need repentance to erase the marks. Forgiveness is continuous.
An argument here could be that sometimes asking forgiveness is shown and expressed in actions and not through words. You not only show remorse you express remorse through sorrow. Expression of remorse can be shown through good works towards humanity in kindness to strangers and extending compassion, love, friendship and aid to family & friends. Expression of remorse can be shown through taking care of nature by planting trees and helping animals in need. An expression of remorse comes when you are overwhelmed with repentance in body and spirit without speaking a word.
Justifying literal marks could mean sin is never truly erased. Sin is never forgiven but pacified and tolerated for acceptance into Heaven by God.