8-K 1 a38431.txt CIT EQUIPMENT COLLATERAL 2004-EF1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 20, 2004 CIT Equipment Collateral 2004-EF1 (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of incorporation) 333-53688-04 75-6724294 (Commission File Number) (IRS Employer Identification No.) c/o CIT Financial USA, Inc. 1 CIT Drive, Livingston, New Jersey 07039 (Address of principal executive offices and zip code) Registrant's telephone number, including area code: (973) 740-5000 N/A (Former name or former address, if changed since last report.) Item 8.01. Other Events. On September 20, 2004, JPMorgan Chase Bank, as Indenture Trustee, made the monthly distribution to the holders of CIT Equipment Collateral 2004-EF1, Class A-1 1.63% Receivable-Backed Notes, Class A-2 2.57% Receivable-Backed Notes, Class A-3 3.50% Receivable-Backed Notes, Class B 2.99% Receivable-Backed Notes, Class C 4.14% Receivable-Backed Notes and Class D 4.68% Receivable-Backed Notes. Item 9.01. Financial Statements and Exhibits. (c) Exhibits. The following are filed herewith. The exhibit numbers correspond with Item 601(b) of Regulation S-K.

SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. CIT FINANCIAL USA, INC., as Servicer /s/ WILLIAM G. DELANEY ------------------------------ Name: William G. Delaney Title: Vice President Dated: September 23, 2004 INDEX TO EXHIBITS

CIT Equipment Collateral 2004-EF1 8-K