I think @SidKemp made a good point about steps, but it doesn't necessarily need to come in separate steps. Ultimately, the final step is more of a break with all steps.
There is only one instance in my life when I truly forgave. All other instances have varying degrees of attachment through ego.
That singular incident occurred in 1977. Six times within 2 minutes my car and I were assaulted by drivers and their cars, causing distress and potential danger from collision. My quick thinking prevented collision in each case, but I was initially enraged and frustrated.
After the sixth instance, when I was about to lose my cool altogether, I suddenly realized that I was 100% responsible for each assault. This left no room for blame. With this, I was suddenly incapable of being victim. It took me 33 years to realize that I had forgiven them and completely forgiven them in an instant. No steps whatsoever.
In that moment, I felt the loving embrace of the Father in Heaven. That in itself was a miracle.
But what happened next was a miracle that thousands of others witnessed in broad daylight.
With the perfect confidence (faith) of a child of God (no longer ego in a Homo sapiens body), I asked the Father for wide open spaces and smooth sailing all the way to my destination.
The instant I rested from this creation (this "asking" or "prayer"), I received that for which I had asked. Within 5 seconds 700 cars had evacuated the center, westbound lane, leaving the lanes left and right doubly thick with bumper-to-bumper traffic.
Thirty-three years later, I realized that the first 6 cars to move out of the way were the same 6 that had assaulted my vehicle. I had forgiven them that completely. I had felt only love for them and what they had done.
"Coming to terms" seems so inadequate by comparison, but it can be a step in the right direction.
But ultimately, you have to leave the continuity of physical reality -- stop taking steps -- and leap into the discontinuity of creation, for that is what fearless and faith-bound forgiveness truly is -- an act of creation, like walking on water.