Faith is first of all substance. That which stands under the things we, as Christians, hope for is our belief in the promises found in God's Word. Secondly, faith is evidence. You cannot see my belief except as it is worked out in my life. If someone says he has faith and there is no evidence of that faith in his life you can be sure that it is a false faith.
Salvation changes people.
Those who claim salvation with no change in their lives are either self-deceived or liars.