Fred will probably end up in "Heaven." That being said, an old friend of mine just died. He was one of the nicest unbelievers you will ever know, but to the end rejected Christ as a self-proclaimed Agnostic.
This friend, "Bill," will probably end up in "Hell." Although he was a good guy, he rejected the critical New Nature that we must receive to become truly good. He will probably live on the outskirts of the City of God, closer to it than most others in "Hell."
Fred will probably end up in "Heaven" because had he been told of the New Nature in Christ, he probably would've gladly embraced it. Some people are good and want to be changed. Some people are good, but don't want to be changed, and therefore, want good and bad to coexist in them. That is not acceptable with God, for purposes of "Heaven."
Romans 2 makes it clear that God sees into the consciences of men even when they don't have the full knowledge of God. If they act on what they know, and meet God's standards, they will make "Heaven," even though they had not yet converted. The purpose of the Gospel is to let men know they can change.