How will the reckoning be for one who was not born Muslim and did not have the same blessing of faith?

Allah created humankind upon monotheism, and He sent messengers as bearers of good tidings and as warners to establish proof against people. Allah does not punish anyone except after proof has been established against them. Similarly, whoever has not received the call (to Islam) is excused, while whoever has received news of the message and does not believe is not excused. Islam is guidance from Allah Almighty, through which He opens the hearts of whomever He wills.