(Rom 3:22) “Even the righteousness of God which is by faith of Jesus Christ unto all and upon all them that believe: for there is no difference:” Faith: not the acknowledging in the mind as true, but acting, responding to that truth. In this case, the act is the response of heart that says, “I’m sorry for what my sin cost the Lord Jesus your Son. Please forgive me and save my soul.” You see, the truth needs to affect the heart: (Rom 10:10) “For with the heart man believeth unto righteousness;” The heart will say, “I want Jesus more than the sin.”