For someone to say they have faith but they never repented is an oxymoron and for someone to say they truly repented but they don't have faith is also an oxymoron.
Repentance and faith are two sides to the same coin of receiving Christ.
Acts 20:21 - testifying both to Jews and to Greeks of
repentance toward God and of faith in our Lord Jesus Christ.
The Church of Christ gospel plan is to hear, believe, repent, confess, and be (water) baptized for the forgiveness of sins. Here it is reasoned that if one will simply accomplish these “5 steps,” the believer will thereby save himself.
Notice that this plan places faith
before repentance.
To those in the Churches of Christ, this is common sense because it is believed that ‘one must believe
before he can repent.’ This view arises from their understanding of both “faith” and “repentance.”
“Faith” in the Churches of Christ is understood as ‘intellectual assent” or accepting the facts of the Christian faith. To them it is believing God’s historical testimony about Himself, Jesus Christ, and that of the rest of the Bible.
Repentance on the other hand is understood as moral self-reformation.
In regard to faith, those in the Churches of Christ often fail to understand that there is a deeper, more substantive aspect of faith which is believing upon the Lord Jesus Christ for eternal life, and most cannot distinguish between mere intellectual belief or assent from a personal faith that is trusting or resting on Jesus Christ alone for salvation.
Here, they will cite that “even the devils believe” (from James 2:19) in their sermons and will contend that even the "faith of devils" is the same as any other faith except that the faith of devils lacks any moral or religious good works.
*This explains why people in the Church of Christ have so much faith in water baptism and other works for salvation.*
Thus, their understanding gives rise to their reversal of the scriptural order of repentance and faith, and yet as we will find, there is not a single scripture in the New Testament to support their view.
To the contrary, when we consider this in light of the Scriptures, we find
repentance actually preceding Faith:
“…you did not repent and believe him.” Matt. 21:32
“Repent, and believe in the gospel.” Mark 1:15
“…repentance toward God and faith toward our Lord Jesus Christ.” Acts 20:21
“…repent and turn to God.” Acts 26:20
“…not laying again the foundation of repentance from dead works and of faith toward God.” Heb. 6:1
These verses should make it clear that repentance actually
precedes faith.
Faith and Repentance (cofcdilemma.org)