Fiction, no one is saved unless they have been made perfect by the blood of Christ.
All of God's elect whom He gave to His Son before the world began will, during their earthly sojourn, be regenerated by the Holy Spirit under the hearing of the gospel of Christ, then be given the gift of faith in Christ's finished work on their behalf and the gift of repentance of dead works, and understand that they are only perfectly righteous in the sight of God by Christ's perfect righteousness worked out on their behalf, the sins of the elect having been imputed to Christ and His perfect righteousness having been imputed to them.
2 Corinthians 5:21
For he hath made him to be sin for us, who knew no sin; that we might be made the righteousness of God in him.
Romans 4:6-8
Even as David also describeth the blessedness of the man, unto whom God imputeth righteousness without works, saying,
Blessed are they whose iniquities are forgiven,
And whose sins are covered.
Blessed is the man to whom the Lord will not impute sin.