To be unsaved, she’d have to have had the Spirit and then rejected it.
“To be unsaved, she’d have to have had the Spirit and then rejected it.” - That is a dangerous statement. The spirit indwells you when you have acknowledged that Christ died for our sins, was buried and rose on the third day (1 Cor 3-4), and you confess and acknowledge that God raised him from the dead...(Rom 10:9-10).
You might want to reword that statement if that is not what you meant.