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That is wrong. God never did lay any charges upon His Elect, He laid them all on Christ as He was set up before the world began as their Surety in the Everlasting Covenant. Heb 7:22
22By so much
was Jesus made a surety of a better testament.
Heb 13:20
20Now the God of peace, that brought again from the dead our Lord Jesus, that great shepherd of the sheep, through the blood of,
the everlasting covenant
No Christ did not actually shed His blood before the world began, but He actually was made their Surety before the world began. God will not hold the Surety liable for the sins of others and hold the others as well liable for the same sins.
All believers, described in Eph. 2: "children of Wrath
Yes by nature they were children of wrath as others, but they were not charged with their sins, Christ was. Thats why He had to come and die, because God held Him and not them accountable.
ALSO... Romans 8:34 says that God's Justification is based on Christ's death on the cross
Yes, that is correct, In God's Purpose He was slain from the foundation. That means God had imputed their sins on Him before the foundation, they never were laid to their charge legally.
The whole elect world, both jew and gentile, never had their Trespasses laid to their charge, Paul preached that Here 2 Cor 5:19
Now the second question was this. When were the elect accepted in the beloved according to Eph 1:3-6
3Blessed be the God and Father of our Lord Jesus Christ, who hath blessed us with all spiritual blessings in heavenly places in Christ:
4According as he hath chosen us in him before the foundation of the world, that we should be holy and without blame before him in love:
5Having predestinated us unto the adoption of children by Jesus Christ to himself, according to the good pleasure of his will,
6To the praise of the glory of his grace,
wherein he hath made us accepted in the beloved.
19To wit, that God was in Christ, reconciling the world unto himself,
not imputing their trespasses unto them; and hath committed unto us the word of reconciliation.