Love is indeed the fulfilling of the law (Romans 13:8-10). And it is shed abroad in the heart by the power of the Spirit (Romans 5:5). When we walk according to this love, the righteousness of the law is fulfilled in us (Romans 8:4).
In understanding that your sin is ever before you (Psalms 51:3), you might come to the place of confessing your sin properly so that you might be cleansed from that sin (1 John 1:7-9).
It is in the understanding that the heart is deceitful above all things, and desperately wicked (Jeremiah 17:9) that a man can come to the place of crying out to God for mercy (Luke 18:9-14) so that he can receive a new heart and a new spirit (Ezekiel 36:25-27) that is honest and good (Luke 8:15).
However, the moment you think of yourself as a "good person" you have forsaken your confession of sin and that cleansing is no longer yours.
It is in the perpetual understanding that I am a sinner before God that I am saved by grace.
In this, I place my trust wholly and completely in what Christ has done for me; and I no longer seek to be accepted before God by what I do (see Ephesians 2:8-9). My trust is no longer in how well I can perform as a believer but is completely in that finished work (Christ dying for me on the Cross).
As the result of being forgiven much, I begin to love Jesus much (Luke 7:36-50, 1 John 4:19, Romans 5:5); and this love is not impracitcal (1 John 3:17-18) but is the fulfillment of the law's righteousness within me (Romans 13:8-10, Romans 8:4).
And yes the Holy Spirit gets all the credit for my obedience motivated out of love; because He is the source of that love (Romans 5:5).