"...because He (God) has appointed a day on which He will judge the world in righteousness by the Man whom He has ordained." Acts 17:31 (Paul speaking)

For we shall all stand before the judgment seat of Christ. Romans 14:10

According to the Scriptures, we are accountable to our Creator, God.

For whoever shall keep the whole law, yet stumble in one point, he is guilty of all. James 2:10

For as many as are of the works of the law are under the curse; for it is written, "Cursed is everone who does not continue in all things which are written in the book of the law, to do them." Galatians 3:10 (quoting Deuteronomy 27:26)

...for all have sinned and fall short of the glory of God... Romans 3:23

So, likewise, according to God's word -- all have sinned. While God demands a perfect, righteous life (an eternal report card of perfect A's), instead, each and every one of us stand before Him as condemned sinners (have report cards filled completely with failing grades -- F's).

For the wages of sin is death... Romans 6:23

Do you not know that the unrighteous will not inherit the kingdom of God? I Corinthians 6:9

"The Son of Man will send out His angels, and they will gather out of His kingdom all things that offend, and those who practice lawlessness, and will cast them into the furnace of fire. There will be wailing and gnashing of teeth." Matthew 13:41-21 (Jesus speaking)

Anyone not found written in the Book of Life was cast into the lake of fire. Revelation 20:15

According to God's word, our sin (the F's on our report card) disqualifies us from eternal life, and condemns us to eternal punishment and separation from the holy presence of the LORD.

Therefore by the deeds of the law no flesh will be justified in His sight... Romans 3:20

The Scriptures declare that we cannot erase or atone for our sin (the F's on our report card).

"You must be born again." John 3:7 (Jesus speaking)

But to him who does not work, but believes on Him who justifies the ungodly, his faith is accounted for righteousness..." Romans 4:5

"For the life of the flesh is in the blood, and I have given it to you upon the altar to make atonement for your souls; for it is the blood that makes atonement for the soul." Leviticus 17:11 (God speaking)

...without the shedding of blood there is no remission. Hebrews 9:22

For He (God) made Him (Jesus) who knew no sin to be sin for us, that we might become the righteousness of God in Him. II Corinithians 5:21

But God demonstrates His own love toward us, in that while we were still sinners, Christ died for us. Romans 5:8

"For God so loved the world that He gave His only begotten Son, that whoever believes in Him should not perish but have everlasting life." John 3:16 (Jesus speaking)

"Believe on the Lord Jesus Christ, and you wil be saved..." Acts 16:31 (Paul & Silas speaking)

For whoever calls on the name of the LORD shall be saved. Romans 10:13 (quoting Joel 2:32)

God's word proclaims the good news that Jesus paid for our sin on the cross. He took all of our sin (our bad grades -- all the F's accumulated over a lifetime of sinful rebellion against our Creator) and bore the penalty we deserved in our place.

Additionally, Jesus lived the sinless life God requires of each of us, and offers to credit His perfect righteousness (a report card of complete A's) to those who believe on Him, and trust in Him alone for their salvation.

...not having my own righteousness, which is from the law, but that which is through faith in Christ, the righteousness which is from God by faith... Philippians 3:9

We can face God under the condemnation warranted by our sinful lifestyle (by insisting that we submit our own, failed report cards), or we can accept Jesus's gracious offer of dying in our place, fully paying the penalty for our sin, and crediting us with His perfect righteousness (swapping our failed report card with His fully perfect one).

For by grace you have been saved through faith, and that not of yourselves; it is the gift of God, not of works, lest anyone should boast. Ephesians 2:20

So, whose report card do you want to submit at the end of your life? Yours or His?