8-K/A 1 irw0500a_8ka-200502.txt UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 25, 2005 IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-A Home Equity Loan-Backed Notes, Series 2005-A (Exact name of registrant as specified in its charter) New York (governing law of 333-113636-23 Pooling and Servicing Agreement) (Commission N/A (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events Subsequent to filing the 8-K relating to the payment date on February 25, 2005, a revision was made to holders of IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-A, Home Equity Loan-Backed Notes, Series 2005-A Trust which was not included in the original 8-K filed. The 8-K is being amended because the Overcollaterized Funding Percentage was corrected in the Miscellaneous Reporting table. This revision was not previously disclosed in a 1934 Act filing. The revised data has been and will continue to be available on the Wells Fargo Bank, website at www.ctslink.com. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Amended monthly report distributed to holders of Home Equity Loan-Backed Notes, Series 2005-A Trust, relating to the February 25, 2005 distribution. 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. IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-A Home Equity Loan-Backed Notes, Series 2005-A Trust (Registrant) By: Wells Fargo Bank, N.A. as Indenture Trustee By: /s/ Beth Belfield as Officer By: Beth Belfield as Officer Date: 1/6/2006 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Amended monthly report distributed to holders of Home Equity Loan-Backed Notes, Series 2005-A Trust, relating to the February 25, 2005 distribution. EX-99.1 IRWIN Whole Loan Home Equity Trust Home Equity Loan-Backed Notes Record Date: 1/31/2005 Distribution Date: 2/25/2005 IRWIN Whole Loan Home Equity Trust Home Equity Loan-Backed Notes Series 2005-A Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 www.ctslink.com Telephone: (301) 815-6600 Fax: (301) 815-6660

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Irwin Whole Loan Home Equity Trust 2005-A 8-K/A