(I John 1:9-10) “If we confess our sins, he is faithful and just to forgive us our sins, and to cleanse us from all unrighteousness. If we say that we have not sinned, we make him a liar, and his word is not in us.”
All men are responsible to walk in the light that God has given them (Eph 5:8). Unbelief is not a passive thing. If you go to hell it is based solely on your sins. As much as redemption is only on the price that He paid, damnation is only on your transgressions you made. The sinner does not go to hell because Christ did not die for them but because they are rebels against God (Rom 1:18-20). In the justice of the Lord it is fixed so that those who die in their sins, those who die in unbelief are without excuse. Don Fortner wrote, “If you go to hell, you will have to scratch and claw your way there. Fighting to your last breath against the light God has given you.” God has commanded all to repent and believe the gospel (Mark 1:15). And those He died for shall be made willing and will freely repent. Those who do not see the necessity of faith and repentance in the presence of election and grace know not yet the depths of their sin and true mercy. For when you are brought to a place by the grace of God where you loathe your self you willfully and helplessly cry for this mercy and repent. Stated in the scriptures and as a commandment it is a necessity but more than a need it becomes for the broken sinner, presented for the first time with a grace filled heart, a desire. Does this contribute to redemption; no. This is the result of His work in you. Does not repenting and believing contribute to someone fallen into eternal damnation; yes. This is the result of their works (Heb 12:14). Taken in part from Heart of Doctrine "Do you need to Repent?"