When I asked Jesus to come into my life, he cleansed me from my sins and made me a new creation. Yes, I have to continually repent and confess my sins to Him, but I KNOW without a doubt that I am saved. I don't have to wait until I die to have my faults and good points weighed on some spiritual scale. I'm sorry for those who don't see that and may die without having Christ as Lord and Saviour, with the Holy Spirit indwelling him/her.
The bible is clear that we will all be judged according to what we have done, that is — after we die, for "it is appointed for men to die once and after this comes judgment." [Heb 9:27]