In my discussions I've talked to Christians who had different concepts about the specifics of salvation which seem to make a significant difference, at least if one's only unrepented sin is not believing. Most Christians have said to me that we're all judged at the exact moment of death, but some have told me that after death we're confronted by God/Jesus and then judged. I don't know if this is a denominational difference or not. It seems significant that in the second instance belief would no longer be a problem when faced directly. It's because of this that I've been told non-Christians are not necessarily in any more hot water than Christians .
My question is, what is the scriptural basis for the belief that we're judged at the exact moment of death?