Here is what I posted, to which the above was your response, "In the NT faith/belief (regarding salvation) is more than mere acceptance of the truth of something; it is a living, loving, trusting relationship with the Lord Jesus Christ. The unregenerate person has no capacity for this at all; in fact, his nature is diametrically opposed to it."
Here is Rom. 2:11-16 (MKJV)
11 For there is no respect of persons with God.
12 For as many as sinned without Law will also perish without Law. And as many as have sinned within Law shall be judged through Law.
13 For it is not the hearers of the Law who are just before God, but the doers of the Law will be justified.
14 For when the nations, who do not have the Law, do by nature the things of the Law, these, not having the Law, are a law unto themselves;
15 who show the work of the law written in their hearts, their conscience also bearing witness, and the thoughts between one another accusing or even excusing one another,
16 in a day when God shall judge the secrets of men by Jesus Christ according to my gospel.
This is, as everyone can see clearly, about being judged according to your works; either by law, or by conscience (if you are ignorant of God's law). It is only unbelievers who are judged in this way and all are guilty before God. Notice also that even doing what is according to your conscience won't help you (not that anyone does this perfectly anyway), because whatever is not of faith is sin, in God's eyes.
The above passage is nothing to do with salvation by grace through faith, except to show the need for it, so it is in no way an answer to what I posted.