People will believe whatever supports their position, or whatever validates their beliefs. You have over 30,000 denomination to choose one that fits your beliefs. Have at it, but I won't engage in these contentions.
If you are indeed saved, it began when Christ came into your heart and that was all God's mercy. After which God shows you his salvation and that is through faith.
Believing is not faith, but walking after is faith. Good luck with it without being born again.
PS, repentance is through faith.