A: The Bible says that Christ died for the forgiveness of our sins. If we believe in Christ and accept that grace, then we are forgiven and on judgment day we will be found in Christ, washed clean and without sin. However, it is still a judgment day, because for those who have rejected Christ and, in so doing, stand before God without Christ, they will be judged on the basis of the law. Have they been perfect and upheld the law in every way; not just the 10 commandments, but the summary of those commandments - loving the Lord with all their heart, soul, mind and strength and loving others as themselves? Judgment day will separate the wheat from the chaff, but remember that outside of Christ’s gracious atonement for our sins, we are all chaff.
God will ask us to give an account of what we’ve done with what he has given us. It will not be for condemnation, but for a true reckoning of how we lived our lives under his grace and love. I suppose it would be something like this: on graduation day there are those who graduate and those who don’t, but a secondary question is – what grades did you get? (That’s a pretty iffy example, because graduation doesn’t come by grace…but hopefully you get the point).