              UNITED STATES 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) JulyAugust 15, 2005


                     NAVISTAR FINANCIAL 2004-B OWNER TRUST
             (Exact name of Registrant as specified in its charter)


                                    Delaware
                 (State or other jurisdiction of incorporation)



            333-67112-06                               51-0337491
      (Commission File Number)            (I.R.S. Employer Identification No.)




  425 N. Martingale Road Schaumburg, Illinois              60173
   (Address of principal executive offices)             (Zip Code)



         Registrant's telephone number including area code 630-753-4000


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                    INFORMATION TO BE INCLUDED IN THE REPORT


Item 8.01.  Other Events.


            On JulyAugust 15, 2005, the Registrant made available the
            Monthly Servicer Certificate for the Period of JuneJuly 2005
            for the NAVISTAR FINANCIAL 2004-B OWNER TRUST,  which  is
            attached as Exhibit 20 hereto.


Item 9.01   Financial Statements and Exhibits.


         (c)      See attached Exhibit 20.


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                                   SIGNATURE


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 thereunto duly authorized.


                      NAVISTAR FINANCIAL 2004-B OWNER TRUST
             (Exact name of Registrant as specified in its charter)



Date:  JulyAugust 2725, 2005                                          By:/s/ PAUL E. MARTIN
-----------------------                          --------------------------
                                                 Paul E. Martin
                                                 Vice President & Controller


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                                  EXHIBIT INDEX

Exhibit No.    Description

   20          Navistar Financial 2004-B Owner Trust
               Monthly Servicer Certificate #89, dated JulyAugust 15, 2005


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                                EXHIBIT 20

                                   Navistar Financial 2004 - B Owner Trust
                                             For the Month of JuneJuly 2005
                                     Distribution Date of JulyAugust 15, 2005
                                                Servicer Certificate   #89

Original Pool Amount                                                                                               $398,463,516.43
Subsequent Receivables (transferred 11/17/04)                                             $148,829,668.80
Subsequent Receivables (transferred 12/17/04)                                             $151,771,733.07
Subsequent Receivables (transferred 01/18/05)                                               $50,934,291.61
Beginning Pool Balance                                                                                           $615598,196181,401496.4075
Beginning Pool Factor                                                                                                         0.82026277975762

Principal and Interest Collections:
     Principal Collected (Incl. Servicer Advance Repay)                           $16,747530,652293.4795
     Interest Collected                                                                                             $3,620457,694122.6229
     Mandatory Prepayments                                                                                                       $0.00
Additional Deposits:

     Repurchase Amounts                                                                                                       $0549,863.0028

     Liquidation Proceeds / Recoveries                                                                   $273269,492951.2946
Total Additional Deposits                                                                                             $273819,492814.2974

Repos / Chargeoffs                                                                                                           $325374,584900.2529
Aggregate Number of Notes Charged Off                                           58                                            74

Total Available Funds                                                                                               $20,583735,507899.3154

Ending Pool Balance                                                                                                 $598580,181797,496770.7567
Ending Pool Factor                                                                                                               0.79757627743978

Servicing Fee                                                                                                                     $512498,663484.6758
     memo: Servicer will allocate $1,500.00 of Servicing Fee
           as Administration Fee
Repayment of Servicer Advances                                                                                     $5871,332331.07

Reserve Account:
                                                                                          44        ===================================
                                                                                            Memo Item - Reserve Account
Reserve Account:                                                                            Opening balance    $17,945,444.90
                                                                                            + Trans Base                $0.00
     Beginning Balance  (see Memo Item)                                                           $19,957283,108659.4656         Memo+ ItemSub -Sale Reserve Account3                $0.00
     Target Percentage                                                        3.00%         Opening+ balance  Invest. Income       $1848,455,892829.0417
     Target Balance                                                                                                   $17,945423,444933.90        12         + TransExcess Base                Service    $01,289,385.0049
     Specified Yield Supplement Amount                                                                               $0.00                 + SubTransfer Sale 3                $0.00(to)
     Specified Yield Supplement Amount                                                                               $0.00        +            Collections Invest. Income       Acct          $48,9090.3800
     Specified Reserve Account Balance                                                             $17,945423,444933.90        + Excess Service    $1,452,307.0412                             --------------
     Minimum Balance                                                                                                 $14,999,984.20        +          Beginning Transfer (to)Balance  $19,283,659.56
     (Release) / Deposit                                                                                         ($21,011859,663726.5644)         Collection Acct            $0.00==================================
     Ending Balance                                                                                                   $17,945423,444933.90                            12
--------------
---------------------------------------------------------------------------------           Beginning Balance $19,957,108.46
Current Weighted Average APR:                                                                                            6.974958%            ==================================
-----------------------------------------------------------------------------------
-----------------------------------------------------------------------------------
Current Weighted Average Remaining Term (months):                          45                            44.6486
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Delinquencies                                                                                                                          Dollars    Notes
                             Installments:   1 - 30 days                             2,581489,787042.3034    2,420303
                                           31 - 60 days               418                 479,866457.8770      520477
                                           60+  days                  114                    120,408826.84      10498       90

                                    Total:                                                      3,115089,063327.0102    2,436329
                                 Balances: 60+  days                                  1,973745,746985.83      10402       90


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Navistar Financial 2004 - B Owner Trust
For the Month of JuneJuly 2005
                                                                                                               NOTES                                CLASS B        CLASS C
                                                       TOTAL                 CLASS A - 1         CLASS A - 2     CLASS A - 3          CLASS A - 4       NOTES          NOTES
Original Pool Amount                          $750,000,000.00 $113,000,000.00 $240,000,000.00 $183,000,000.00 $169,000,000.00 $26,250,000.00 $18,750,000.00
Original Pool Amount

Distributions:
      Distribution Percentages  (1)               0.00%          94.00%           0.00%           0.00%          3.50%         2.50%

      Coupon                                    2.2000%         2.7200%         3.1300%         3.5300%        3.3900%       3.9300%

Beginning Pool Balance $615598,196181,401496.4075
Ending Pool Balance    $598580,181797,496770.7567

Collected Principal     $1617,689008,320825.4079
Collected Interest       $3,620457,694122.6229
Charge - Offs              $325374,584900.2529
Liquidation Proceeds
     /Recoveries           $273269,492951.2946

Servicing &
         Administration Fee         $512498,663484.6758
Investment Earnings from
         from Pre-Funding Acct.                  $0.00
Cash Transfer from
         Negative Carry Acct.                 $0.00
Cash Transfer from
         Pre-Funding Acct.                       $0.00
Cash Transfer from
         Reserve Account                           $0.00
Total Collections Avail for
         for Debt Service           $20,070237,843414.6496

Beginning Balance      $615598,196181,401496.4075           $0.00 $219203,504510,617606.3295 $183,000,000.00 $169,000,000.00 $2524,486891,917430.6502 $1817,204779,866459.4378

Interest Due (2)         $1,603564,631303.9540           $0.00     $497461,543290.8071     $477,325.00     $497,141.67     $7270,000318.5429     $5958,620227.9473
Interest Paid            $1,603564,631303.9540           $0.00     $497461,543290.8071     $477,325.00     $497,141.67     $7270,000318.5429     $5958,620227.9473
Principal Due           $17,014383,904726.6508           $0.00  $1516,994340,010702.3751           $0.00           $0.00    $595608,487395.6365    $425434,406627.6592
Mandatory Prepayments
           Class A-1 only                           $0.00           $0.00
Principal Paid          $17,014383,904726.6508           $0.00  $1516,994340,010702.3751           $0.00                     $0.00         $595608,487395.6365    $425434,406627.6592

Ending Balance         $598580,181797,496770.7567           $0.00 $203187,510169,606904.9544 $183,000,000.00 $169,000,000.00 $24,891283,430034.0237 $17,779344,459831.7886
Note/Certificate Pool Factor
     (Ending 
     Balance/Original
          Pool AmountPoole Amt)                                   0.000000000000000       0.84796097798746       1.0000000       1.0000000      0.94824509250680      0.94823799250577

Total Distributions     $18,618948,536029.6047           $0.00  $16,491801,554993.1722     $477,325.00     $497,141.67    $667678,488713.1794    $485492,027855.5965

Interest Shortfall               $0.00           $0.00           $0.00           $0.00           $0.00          $0.00          $0.00
Principal Shortfall              $0.00           $0.00           $0.00           $0.00           $0.00          $0.00          $0.00
               Total Shortfall                     $0.00           $0.00           $0.00           $0.00           $0.00          $0.00          $0.00
Excess Servicing (see Memo Item
     Item - Reserve Acct) Bal   $1,452289,307385.0448

Beginning Reserve
     Acct Balance       $19,957283,108659.4656
(Release) / Draw        ($21,011859,663726.5644)
Ending Reserve
     Acct Balance       $17,945423,444933.9012

 (1)(a) 100% to the Class A-1 Notes until the Class A-1 Notes are paid in full.  (b) 94.00% of any amount remaining after the
        application of funds in clause (a) to the remaining Class A Notes sequentially until the Class A Notes are paid in full.
       (c) 58.33% of any amount remaining after the application of funds in clauses (a) and  (b) to the Class B Notes until the
        Class B Notes are paid in full.  (d) Any amount remaining after the application of funds in clauses (a), (b) and (c) to the
        Class C Notes until the Class C Notes are paid in full.
 (2)Class A-1  Interest based on Actual Number of Days.  Interest on other classes based on a 30 day month.  Interest   for first
       settlement based off 28 days, from 11/17/04 to, but excluding, 12/15/04.

(* x represents previously paid interest to other classes.)
(* y represents previously paid interest and principal on other classes.)
========================================================
Memo Item - Advances:
   Servicer Advances - Current Month             ($5871,332331.0744)
   Total Outstanding Servicer Advances     $2,780708,175844.6117
=======================================================


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Navistar Financial 2004 - B Owner Trust
For the Month of JuneJuly 2005

Trigger Events:  A)  Loss Trigger
                 B)  Delinquency Trigger
                 C)  Noteholders Percent Trigger

                                                                                 5                               4                             3                               2               1               0
                                    Jan-05                                                    Feb-05          Mar-05                   Apr-05          May-05          Jun-05          Jul-05
Remaining Gross Balance                     $740,229,491.93    $778,695,303.30    $757,011,197.42   $735,891,003.27 $714,248,420.42 $692,817,261.21 $672,369,361.44

A)   Loss Trigger:

Principal of Contracts Charged Off           $166,381.74        $190,472.99            $175,453.84           $275,066.43     $588,683.54     $325,584.25
Recoveries                                $17374,760900.23              29

Recoveries                                   $0.00            $182,678.26           $130,073.08     $217,631.33     $273,492.29     $269,951.46

Total Charged Off (Months 5, 4, 3)         $532640,308993.5726
Total Recoveries (Months 3, 2, 1)           $530621,382196.6770
                                                                    ----------------
Net Loss / (Recoveries) for 3 Mos       $119,925796.9056(a)

Total Balance (Months 5, 4, 3)     $2,275271,935597,992503.6599(b)

Loss Ratio Annualized [(a/b)*(12)]                 0.00100105%

Trigger:  Is Ratio > 1.5%                                 No
                                                                                      Apr                                                                                May-05          May         Jun-05          JunJul-05
B)   Delinquency Trigger:                                                                                                              $1,348,754.22   $1,685,164.75     $1,973,746.83   $1,745,985.02
     Balance delinquency 60+ days                                                                                                      0.1832823594%               0.2359428489%        0.2848925968%
     As % of Beginning Pool Balance                                                                                                  0.2330021120%               0.2112023470%        0.2347026017%
     Three Month Average

     Trigger:  Is Average > 2.0%                   No

C)   Noteholders Percent Trigger:             2.39273232%
     Ending Reserve Account Balance
     not less than 1% of Initial Aggregate
     Receivables Balance

Trigger:  Is Minimum < 1.0%                             No


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Filing Compare · Navistar Financial 2004-B Owner Trust
