You got it from God as the police say.
Like this?
'The only thing that counts is faith expressing itself through love.' Gal 5:6 NIV
Or is it actually heresy? Is the love bit, where people do not lie about others, not actually required?
Is there any purpose to this OP other than bald Calvinist propaganda?
For those who are not OSAS adherents, the following makes perfect sense:
How many institutionalised converts are actually justified when they die? Or are many, like the people whom James addressed, merely going through the motions? And is a group of nominalist 'Christians' not a wonderful gain for Satan? How many have been persuaded that Christ is useless by apparently devout but actually useless 'Christians' who show no fruits of the Spirit? Or at least, given an excuse not to believe? There has been dark method in evangelisation by false apostles.
For those who believe in OSAS, who, unlike James, Peter and indeed Paul, believe that people can be saved despite having no fruits of the Spirit, not all of the above is true. Indeed, one might suppose that Calvinism encourages false teachers who display lack of love for their congregations, telling them that they are going to heaven, whatever the hell they do.
That appears to be that.