Encore Credit Receivables Trust  Asset-Backed Notes, Series 2005-3
Distribution Date:    12/27/2005
Record Date:          11/30/2005

Distribution Summary

DISTRIBUTION IN
DOLLARS

                                            Prior         Pass-                                                                                     Current
                      Original              Principal     Through       Interest     Principal    Total          Deferred               Realized    Principal
Class                 Balance               Balance       Rate          Distributed  Distributed  Distributed    Interest               Loss        Balance
(1)                   (2)                   (3)           (4)           (5)          (6)          (7)=(5+6)      (8)                    (9)         (10)=(3-6+8-9)

IA                    400,000,000.00        371,808,566.734.438750%     1,466,991.36 17,219,290.5418,686,281.90  0.00                   0.00        354,589,276.19

IIA1                  224,789,000.00        195,684,386.734.313750%     750,340.91   16,367,426.9517,117,767.86  0.00                   0.00        179,316,959.78

IIA2                  174,088,000.00        174,088,000.004.463750%     690,742.50   0.00         690,742.50     0.00                   0.00        174,088,000.00

IIA3                  14,813,000.00         14,813,000.00 4.583750%     60,354.75    0.00         60,354.75      0.00                   0.00        14,813,000.00

M1                    38,600,000.00         38,600,000.00 4.663750%     160,018.44   0.00         160,018.44     0.00                   0.00        38,600,000.00

M2                    33,968,000.00         33,968,000.00 4.683750%     141,420.11   0.00         141,420.11     0.00                   0.00        33,968,000.00

M3                    23,160,000.00         23,160,000.00 4.703750%     96,834.53    0.00         96,834.53      0.00                   0.00        23,160,000.00

M4                    16,984,000.00         16,984,000.00 4.793750%     72,370.71    0.00         72,370.71      0.00                   0.00        16,984,000.00

M5                    17,499,000.00         17,499,000.00 4.833750%     75,187.37    0.00         75,187.37      0.00                   0.00        17,499,000.00

M6                    16,469,000.00         16,469,000.00 4.883750%     71,493.76    0.00         71,493.76      0.00                   0.00        16,469,000.00

M7                    15,955,000.00         15,955,000.00 5.363750%     76,069.89    0.00         76,069.89      0.00                   0.00        15,955,000.00

M8                    12,352,000.00         12,352,000.00 5.543750%     60,867.91    0.00         60,867.91      0.00                   0.00        12,352,000.00

B                     11,323,000.00         11,323,000.00 5.993750%     60,326.43    0.00         60,326.43      0.00                   0.00        11,323,000.00

N                     34,450,000.00         26,671,298.35 4.949000%     109,996.88   2,448,792.48 2,558,789.36   0.00                   0.00        24,222,505.87

C1                    29,347,883.55         29,336,078.23 0.000000%     0.00         0.00         0.00           0.00                   0.00        29,336,078.23

Totals                    ##############    998,711,330.04              3,893,015.55 36,035,509.9739,928,525.52  0.00                   0.00        869,487,235.97

Notional Classes

C2                        ##############    942,703,953.460.000000%     0.00         0.00         0.00           0.00                   0.00        909,117,235.97

OTC                       ##############    942,703,953.460.000000%     0.00         0.00         0.00           0.00                   0.00        909,117,235.97

Totals                    ##############    ##############              0.00         0.00         0.00           0.00                   0.00        29,336,078.23

Distribution Summary (Factors)

PER $1,000 OF ORIGINAL BALANCE

                                            Prior                                                                                       Current
                                            Principal     Interest      Principal    Total        Deferred       Realized               Principal
                                                          Distributed
Class                 CUSIP                 Balance       (5/2 x 1000)  Distributed  Distributed  Interest       Loss                   Balance
                                            (3/2 x 1000)                (6/2 x 1000) (7/2 x 1000) (8/2 x 1000)   (9/2 x 1000)           (10/2 x
                                                                                                                                        1000)

IA                    29256PAA2             929.521417    3.667478      43.048226    46.715705    0.000000       0.000000               886.473190

IIA1                  29256PAB0             870.524744    3.337979      72.812402    76.150380    0.000000       0.000000               797.712343

IIA2                  29256PAC8             1,000.000000  3.967778      0.000000     3.967778     0.000000       0.000000               1,000.000000

IIA3                  29256PAD6             1,000.000000  4.074445      0.000000     4.074445     0.000000       0.000000               1,000.000000

M1                    29256PAE4             1,000.000000  4.145555      0.000000     4.145555     0.000000       0.000000               1,000.000000

M2                    29256PAF1             1,000.000000  4.163333      0.000000     4.163333     0.000000       0.000000               1,000.000000

M3                    29256PAG9             1,000.000000  4.181111      0.000000     4.181111     0.000000       0.000000               1,000.000000

M4                    29256PAH7             1,000.000000  4.261111      0.000000     4.261111     0.000000       0.000000               1,000.000000

M5                    29256PAJ3             1,000.000000  4.296667      0.000000     4.296667     0.000000       0.000000               1,000.000000

M6                    29256PAK0             1,000.000000  4.341111      0.000000     4.341111     0.000000       0.000000               1,000.000000

M7                    29256PAL8             1,000.000000  4.767777      0.000000     4.767777     0.000000       0.000000               1,000.000000

M8                    29256PAM6             1,000.000000  4.927778      0.000000     4.927778     0.000000       0.000000               1,000.000000

B                     29256PAN4             1,000.000000  5.327778      0.000000     5.327778     0.000000       0.000000               1,000.000000

N                     29256PAP9             774.203145    3.192943      71.082510    74.275453    0.000000       0.000000               703.120635

C1                    126673M74             999.597745    0.000000      0.000000     0.000000     0.000000       0.000000               999.597745

C2                    126673M82             942.703953    0.000000      0.000000     0.000000     0.000000       0.000000               909.117236

OTC                                         942.703953    0.000000      0.000000     0.000000     0.000000       0.000000               909.117236

Interest Distribution
Detail

DISTRIBUTION IN
DOLLARS

                      Prior                 Pass-         Optimal       Prior        Non-Recov                                                      Current
                      Principal             Through       Accrued       Unpaid       Interest     Interest       Deferred               Interest    Unpaid
                                                                                                                                        Distributed
Class                 Balance               Rate          Interest      Interest     Shortfall    Due            Interest               (9)         Interest
(1)                   (2)                   (3)           (4)           (5)          (6)          (7)=(4)+(5)-(6)(8)                                (10)=(7)-(8)-(9)

IA                    371,808,566.73        4.438750%     1,466,991.36  0.00         0.00         1,466,991.36   0.00                   1,466,991.360.00

IIA1                  195,684,386.73        4.313750%     750,340.91    0.00         0.00         750,340.91     0.00                   750,340.91  0.00

IIA2                  174,088,000.00        4.463750%     690,742.50    0.00         0.00         690,742.50     0.00                   690,742.50  0.00

IIA3                  14,813,000.00         4.583750%     60,354.75     0.00         0.00         60,354.75      0.00                   60,354.75   0.00

M1                    38,600,000.00         4.663750%     160,018.44    0.00         0.00         160,018.44     0.00                   160,018.44  0.00

M2                    33,968,000.00         4.683750%     141,420.11    0.00         0.00         141,420.11     0.00                   141,420.11  0.00

M3                    23,160,000.00         4.703750%     96,834.53     0.00         0.00         96,834.53      0.00                   96,834.53   0.00

M4                    16,984,000.00         4.793750%     72,370.71     0.00         0.00         72,370.71      0.00                   72,370.71   0.00

M5                    17,499,000.00         4.833750%     75,187.37     0.00         0.00         75,187.37      0.00                   75,187.37   0.00

M6                    16,469,000.00         4.883750%     71,493.76     0.00         0.00         71,493.76      0.00                   71,493.76   0.00

M7                    15,955,000.00         5.363750%     76,069.89     0.00         0.00         76,069.89      0.00                   76,069.89   0.00

M8                    12,352,000.00         5.543750%     60,867.91     0.00         0.00         60,867.91      0.00                   60,867.91   0.00

B                     11,323,000.00         5.993750%     60,326.43     0.00         0.00         60,326.43      0.00                   60,326.43   0.00

N                     26,671,298.35         4.949000%     109,996.88    0.00         0.00         109,996.88     0.00                   109,996.88  0.00

C1                    29,336,078.23         0.000000%     0.00          0.00         0.00         0.00           0.00                   0.00        0.00

  Totals              998,711,330.04                      3,893,015.55  0.00         0.00         3,893,015.55   0.00                   3,893,015.550.00

Notional Classes

C2                    942,703,953.46        0.000000%     0.00          0.00         0.00         0.00           0.00                   0.00        0.00

OTC                   942,703,953.46        0.000000%     0.00          0.00         0.00         0.00           0.00                   0.00        0.00

  Totals                  ##############                  0.00          0.00         0.00         0.00           0.00                   0.00        0.00

Principal Distribution
Detail

DISTRIBUTION IN
DOLLARS

                                            Prior                                    Current      Current        Current                Cumulative
                      Original              Principal     Principal     Accreted     Realized     Principal      Principal              Realized
Class                 Balance               Balance       Distribution  Principal    Losses       Recoveries     Balance                Losses
(1)                   (2)                   (3)           (4)           (5)          (6)          (7)            (8)=(3)-(4)+(5)-(6)+(7)(9)

IA                    400,000,000.00        371,808,566.7317,219,290.54 0.00         0.00         0.00           354,589,276.19         0.00

IIA1                  224,789,000.00        195,684,386.7316,367,426.95 0.00         0.00         0.00           179,316,959.78         0.00

IIA2                  174,088,000.00        174,088,000.000.00          0.00         0.00         0.00           174,088,000.00         0.00

IIA3                  14,813,000.00         14,813,000.00 0.00          0.00         0.00         0.00           14,813,000.00          0.00

M1                    38,600,000.00         38,600,000.00 0.00          0.00         0.00         0.00           38,600,000.00          0.00

M2                    33,968,000.00         33,968,000.00 0.00          0.00         0.00         0.00           33,968,000.00          0.00

M3                    23,160,000.00         23,160,000.00 0.00          0.00         0.00         0.00           23,160,000.00          0.00

M4                    16,984,000.00         16,984,000.00 0.00          0.00         0.00         0.00           16,984,000.00          0.00

M5                    17,499,000.00         17,499,000.00 0.00          0.00         0.00         0.00           17,499,000.00          0.00

M6                    16,469,000.00         16,469,000.00 0.00          0.00         0.00         0.00           16,469,000.00          0.00

M7                    15,955,000.00         15,955,000.00 0.00          0.00         0.00         0.00           15,955,000.00          0.00

M8                    12,352,000.00         12,352,000.00 0.00          0.00         0.00         0.00           12,352,000.00          0.00

B                     11,323,000.00         11,323,000.00 0.00          0.00         0.00         0.00           11,323,000.00          0.00

N                     34,450,000.00         26,671,298.35 2,448,792.48  0.00         0.00         0.00           24,222,505.87          0.00

C1                    29,347,883.55         29,336,078.23 0.00          0.00         0.00         0.00           29,336,078.23          0.00

  Totals              976,325,000.00        998,711,330.0436,035,509.97 3,661,824.33 33,586,717.490.00           962,675,820.07         0.00

Collateral Summary -
Group 1

ASSET CHARACTERISTICS

                      Cut-Off               Prior         Current

Aggregate Stated
Principal Balance     506,017,875.76        477,820,277.91460,600,987.37

Loan Count            2,652                 2,524         2,444

Weighted Average
Coupon Rate (WAC)     7.212064%             7.195752%     N/A

Net Weighted Average
Coupon Rate (Net WAC) 6.688564%             6.672252%     N/A

Weighted Average
Maturity (WAM in      356                   354           353
months)

AVAILABLE PRINCIPAL   AVAILABLE INTEREST

Scheduled Interest    2,865,230.71
Curtailments          11,920.15
Add:                  Cap Contract Amount   183,033.32
Less:                 Servicing Fee         199,092.04
Master Servicing Fee  1,990.90
Credit Risk Management
Fee                   5,972.82
Indenture Trustee Fee 1,393.54
Uncompensated PPIS    0.00
Civil Relief Act
Shortfall             0.00
Other Amounts         0.00
Current Realized
Losses                0.00
TOTAL AVAILABLE
INTEREST              2,839,814.73
Cumulative Realized
Losses                0.00

Collateral Summary -
Group 2

ASSET CHARACTERISTICS

                      Cut-Off               Prior         Current

Aggregate Stated
Principal Balance     523,330,007.79        494,219,753.78477,852,326.83

Loan Count            2,194                 2,095         2,037

Weighted Average
Coupon Rate (WAC)     7.192196%             7.183445%     N/A

Net Weighted Average
Coupon Rate (Net WAC) 6.668696%             6.659945%     N/A

Weighted Average
Maturity (WAM in      355                   353           352
months)

AVAILABLE PRINCIPAL   AVAILABLE INTEREST

Scheduled Interest    2,958,500.17
Curtailments          26,429.40
Add:                  Cap Contract Amount   189,315.28
Less:                 Servicing Fee         205,925.14
Master Servicing Fee  2,059.31
Credit Risk Management
Fee                   6,177.74
Indenture Trustee Fee 1,441.43
Uncompensated PPIS    0.00
Civil Relief Act
Shortfall             0.00
Other Amounts         0.00
Current Realized
Losses                0.00
TOTAL AVAILABLE
INTEREST              2,932,211.83
Cumulative Realized
Losses                0.00

Delinquency
Information

 GROUP 1

Less Than
30 Days               30-59 Days            60-89 Days    90+ Days      Totals

Delinquency

Scheduled Principal
Balance               7,426,903.03          3,572,872.98  318,565.46    11,318,341.47
Percentage of Total
Pool Balance          1.6124%               0.7757%       0.0692%       2.4573%
Number of Loans       41                    23            1             65

Percentage of Total
Loans                 1.6776%               0.9411%       0.0409%       2.6596%
Bankruptcy

Scheduled Principal
Balance               888,040.69            0.00          0.00          0.00         888,040.69
Percentage of Total
Pool Balance          0.1928%               0.0000%       0.0000%       0.0000%      0.1928%

Number of Loans       8                     0             0             0            8
Percentage of Total
Loans                 0.3273%               0.0000%       0.0000%       0.0000%      0.3273%

Foreclosure

Scheduled Principal
Balance                                     0.00          377,182.98    0.00         377,182.98
Percentage of Total Pool Balance            0.0000%       0.0819%       0.0000%      0.0819%

Number of Loans                             0             2             0            2
Percentage of Total
Loans                                       0.0000%       0.0818%       0.0000%      0.0818%

REO

Scheduled Principal
Balance                                     0.00          0.00          0.00         0.00
Percentage of Total Pool Balance            0.0000%       0.0000%       0.0000%      0.0000%

Number of Loans                             0             0             0            0
Percentage of Total
Loans                                       0.0000%       0.0000%       0.0000%      0.0000%

Total

Scheduled Principal
Balance               888,040.69            7,426,903.03  3,950,055.96  318,565.46   12,583,565.14
Percentage of Total
Pool Balance          0.1928%               1.6124%       0.8576%       0.0692%      2.7320%

Number of Loans       8                     41            25            1            75
Percentage of Total
Loans                 0.3273%               1.6776%       1.0229%       0.0409%      3.0687%

Principal and Interest
Advances              75,137.60

Delinquency
Information

 GROUP 2

Less Than
30 Days               30-59 Days            60-89 Days    90+ Days      Totals

Delinquency

Scheduled Principal
Balance               5,691,728.41          3,839,731.74  283,166.55    9,814,626.70
Percentage of Total
Pool Balance          1.1911%               0.8035%       0.0593%       2.0539%
Number of Loans       29                    20            1             50

Percentage of Total
Loans                 1.4237%               0.9818%       0.0491%       2.4546%
Bankruptcy

Scheduled Principal
Balance               294,167.99            81,387.09     556,778.22    0.00         932,333.30
Percentage of Total
Pool Balance          0.0616%               0.0170%       0.1165%       0.0000%      0.1951%

Number of Loans       3                     1             2             0            6
Percentage of Total
Loans                 0.1473%               0.0491%       0.0982%       0.0000%      0.2946%

Foreclosure

Scheduled Principal
Balance                                     0.00          538,673.21    69,749.24    608,422.45
Percentage of Total Pool Balance            0.0000%       0.1127%       0.0146%      0.1273%

Number of Loans                             0             2             1            3
Percentage of Total
Loans                                       0.0000%       0.0982%       0.0491%      0.1473%

REO

Scheduled Principal
Balance                                     0.00          0.00          0.00         0.00
Percentage of Total Pool Balance            0.0000%       0.0000%       0.0000%      0.0000%

Number of Loans                             0             0             0            0
Percentage of Total
Loans                                       0.0000%       0.0000%       0.0000%      0.0000%

Total

Scheduled Principal
Balance               294,167.99            5,773,115.50  4,935,183.17  352,915.79   11,355,382.45
Percentage of Total
Pool Balance          0.0616%               1.2081%       1.0328%       0.0739%      2.3763%

Number of Loans       3                     30            24            2            59
Percentage of Total
Loans                 0.1473%               1.4728%       1.1782%       0.0982%      2.8964%

Principal and Interest
Advances              69,626.33

Credit Enhancement

SUBORDINATION LEVELS

                      Original              Prior         Current

Aggregate Certificate
Principal Balance         ##############    942,703,953.46909,117,235.97

Senior Principal
Balance               825,013,000.00        767,716,953.46734,130,235.97
Senior Percentage     82.501300%            81.437757%    80.751987%
Senior Credit Support 17.498700%            18.562243%    19.248013%

Class M1 Principal
Balance               38,600,000.00         38,600,000.00 38,600,000.00
Class M1 Percentage   3.860000%             4.094605%     4.245877%
Class M1 Credit
Support               13.638700%            14.467638%    15.002136%

Class M2 Principal
Balance               33,968,000.00         33,968,000.00 33,968,000.00
Class M2 Percentage   3.396800%             3.603252%     3.736372%
Class M2 Credit
Support               10.241900%            10.864386%    11.265764%

Class M3 Principal
Balance               23,160,000.00         23,160,000.00 23,160,000.00
Class M3 Percentage   2.316000%             2.456763%     2.547526%
Class M3 Credit
Support               7.925900%             8.407624%     8.718238%

Class M4 Principal
Balance               16,984,000.00         16,984,000.00 16,984,000.00
Class M4 Percentage   1.698400%             1.801626%     1.868186%
Class M4 Credit
Support               6.227500%             6.605998%     6.850052%

Class M5 Principal
Balance               17,499,000.00         17,499,000.00 17,499,000.00
Class M5 Percentage   1.749900%             1.856256%     1.924834%
Class M5 Credit
Support               4.477600%             4.749741%     4.925217%

Class M6 Principal
Balance               16,469,000.00         16,469,000.00 16,469,000.00
Class M6 Percentage   1.646900%             1.746996%     1.811538%
Class M6 Credit
Support               2.830700%             3.002745%     3.113680%

Class M7 Principal
Balance               15,955,000.00         15,955,000.00 15,955,000.00
Class M7 Percentage   1.595500%             1.692472%     1.754999%
Class M7 Credit
Support               1.235200%             1.310273%     1.358681%

Class M8 Principal
Balance               12,352,000.00         12,352,000.00 12,352,000.00
Class M8 Percentage   1.235200%             1.310273%     1.358681%
Class M8 Credit
Support               0.000000%             0.000000%     0.000000%
Credit Enhancement

GROUP 1

Required Overcollateralization Amount       29,336,078.23 3.1260%
Prior Overcollateralization Amount          29,336,078.23 3.0180%
Overcollateralization
Decrease due to       0.00
Realized Losses

Overcollateralization
Deficiency Amount     0.00

Excess Spread
Available for
Overcollateralization 1,989,007.89
Increase
Overcollateralization
Increase Amount       0.00

Excess Overcollateralization Amount         0.00

Principal Available for
Overcollateralization Reduction             33,586,717.49

Overcollateralization
Reduction Amount      0.0000%

Other Information

Rate Cap Contract
          Beginning
Notional Amount       799,794,132.78
          Ending
Notional Amount       792,794,647.45
          Amount Paid 372,348.60
          Next Amount
to be Paid            452,636.19

Deal Performance
Information
          Servicer
Termination Trigger   No

Rate Reset Information
          Current
Libor                 4.193750%
          Next Libor  4.378750%
          Weighted
Average Pass-Through  4.526516%
Rate

Next Pass-Through Rate Information
          IA1 Next
Pass-Through Rate     4.623750%
          IIA1 Next
Pass-Through Rate     4.498750%
          IIA2 Next
Pass-Through Rate     4.648750%
          IIA3 Next
Pass-Through Rate     4.768750%
          M1 Next
Pass-Through Rate     4.848750%
          M2 Next
Pass-Through Rate     4.868750%
          M3 Next
Pass-Through Rate     4.888750%
          M4 Next
Pass-Through Rate     4.978750%
          M5 Next
Pass-Through Rate     5.018750%
          M6 Next
Pass-Through Rate     5.068750%
          M7 Next
Pass-Through Rate     5.548750%
          M8 Next
Pass-Through Rate     5.728750%
          B Next
Pass-Through Rate     6.178750%

WATERFALL DISTRIBUTION DETAIL

Group 1 Interest Funds2,839,814.73
          Class IA
Current & Carryforward-1,466,991.36
Interest

Remaining Group 1     1,372,823.37
Interest Funds

Group 2 Interest Funds2,932,211.83
          Class IIA1,
IIA2, IIA3 Current &  -1,501,438.16
Carryforward Interest

Remaining Group 2     1,430,773.67
Interest Funds

Remaining Group 1 & 2
Interest Funds        2,803,597.04
          Class M1
Current & Carryforward-160,018.44
Interest
          Class M2
Current & Carryforward-141,420.11
Interest
          Class M3
Current & Carryforward-96,834.53
Interest
          Class M4
Current & Carryforward-72,370.71
Interest
          Class M5
Current & Carryforward-75,187.37
Interest
          Class M6
Current & Carryforward-71,493.76
Interest
          Class M7
Current & Carryforward-76,069.89
Interest
          Class M8
Current & Carryforward-60,867.91
Interest
          Class B
Current & Carryforward-60,326.43
Interest

Remaining Group 1 & 2
Interest Funds to be  1,989,007.89
distributed as Excess
Cashflow

Group 1 Principal
Funds                 17,219,290.54
          Class IA
Principal             -17,219,290.54

Remaining Group 1     0.00
Principal Funds

Group 2 Principal
Funds                 16,367,426.95
          Class IIA1
Principal             -16,367,426.95
          Class IIA2
Principal             0.00
          Class IIA3
Principal             0.00

Remaining Group 2     0.00
Principal Funds

WATERFALL DISTRIBUTION DETAIL (Continued)

Remaining Group 1 & 2
Principal Funds       0.00
          Class M1
Principal             0.00
          Class M2
Principal             0.00
          Class M3
Principal             0.00
          Class M4
Principal             0.00
          Class M5
Principal             0.00
          Class M6
Principal             0.00
          Class M7
Principal             0.00
          Class M8
Principal             0.00
          Class B
Principal             0.00

Remaining Group 1 & 2
Principal Funds to be 0.00
distributed as Excess
Cashflow

Excess Cashflow       1,989,007.89
          Class IA
Extra Principal
Payment Amount to     0.00
increase
Overcollateralization
          Class IIA
Extra Principal
Payment Amount to     0.00
increase
Overcollateralization
          Class N
Current & Carryforward
Interest and Principal-1,989,007.89
Payment Amount
          Class C1 and
Class C2 Current      0.00
Interest
          Class C1
payment in reduction
of the Note Principal 0.00
Balance
          Remaining
Excess Cashflow to the
Owner Trust           0.00
Certificate

Group 1 Prepayment
Charges               330,838.72
Group 2 Prepayment
Charges               238,942.75
          Class N
Prepayment Charges and
Prepayment Charge     -569,781.47
Payment Amounts

CONTACT INFORMATION   CONTENTS

Distribution Summary  2
Seller / Servicer     ECC Capital
                      Corporation
Distribution Summary
(Factors)             2

Irvine, CA  92606
Interest Distribution 2
Depositor             Wachovia Mortgage Loan
                      Trust, LLC
301 South College Street, NC0610
Principal Distribution2
Charlotte, NC  28288

Collateral Summary    1
1833 Alton Parkway

Delinquency
Information           2

Credit Risk Manager   MortgageRamp, Inc.
Credit Enhancement    2

Atlanta, GA  30328
Other Information     2
Master Servicer       CitiMortgage, Inc.
4000 Regent Blvd., 3rd
Floor

Irving, TX  75063

Securities
Administrator         Citibank, N.A.
388 Greenwich Street, 14th Floor

New York, NY  10013

Deal Contact:         Kristen Driscoll      Citibank, N.A.
kristen.driscoll@citigroup.com              Agency and
                                            Trust
                                            388 Greenwich
Tel: (212) 816-5681                         Street, 14th
                                            Floor
Fax: (212) 816-5527                         New York, NY
                                            10013

Page 1 of 1            Reports Available at (c) Copyright
                      www.sf.citidirect.com 2005 Citigroup

Encore Credit Receivables Trust 2005-3 8-K