This is the problem with a system that dictates what the bible has to mean . Thats essentially what you've just said there. You think your ' harmonising ' ,but What your actually doing is this ," well I know regeneration preceding faith ' must be true , so therefore when it says they hold the truth , well hmm this must really be a born again believer, because only regenerated people hold truth " Rather than seeing the obvious fact that it is Paul describing man's general condition after the fall . That no one can attain through their own righteousness eternal life . They hold the truth in unrighteous rather than acknowledge and come to God .