Encore Credit Receivables Trust 2005-3
Not applicable.
Not applicable.
Not applicable.
Not applicable.
The Registrant knows of no material pending legal proceedings involving the trust created under the Indenture, the indenture trustee, the servicer, the subservicer or the Registrant with respect to the trust other than routine litigation incidental to the duties of the respective parties.
No matters were submitted during the fiscal year covered by this report to a vote of noteholders.                                    PART II
There is currently no established pubic trading market for the Registrant's notes known to the Registrant.
Not applicable.
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None.
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None.                                     PART III
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Not applicable.                                     PART IV
(a) Exhibits      1     Annual Independent Accountant's Servicing Report ("USAP")           for the year ended December 31, 2005           Option One Mortgage Corporation, as Servicer and           accompanying Report of Management as to compliance           with minimum servicing standards      2     Annual Statement of Compliance           for the year ended December 31, 2005           ECC Capital Corporation, as servicer      3     Annual Statement of Compliance           for the year ended December 31, 2005           CitiMortgage, Inc., as master servicer      4     Aggregate Statement of Principal and Interest Distributions           to Certificate Holders for the year ended December 31, 2005      5     Sarbanes Oxley Certification  (b) The exhibits required to be filed by the Registrant pursuant to Item 601     of Regulation S-K are listed above.  (c) Not applicable.                                                               SIGNATURES  Pursuant to the requirements of the Securities Exchange Act of 1934, this Report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated  By /s/ Tommy Harris, Senior Vice President, Citimortgage, Inc.    ---------------------------------------------------------------  Date   March 29,2006     --------------------------------------------------------------  By    ---------------------------------------------------------------  Date     --------------------------------------------------------------     Supplemental Information to be Furnished With Reports Filed Pursuant to Section 15(d) of the Act by Registrants Which Have Not Registered Securities                     Pursuant to Section 12 of the Act      (1) No annual report is provided to security holders; and      (2) No proxy statement, form of proxy or other proxy soliciting         material has been sent to any security holders         with respect to any annual or other meeting of security holders.     EX-1 2 ex01.txt EXHIBIT 1  KPMG LLP Suite 2000 355 South Grand Avenue Los Angeles, CA 90071-1568                              Independent Accountants' Report   The Board of Directors and Stockholder Option One Mortgage Corporation:  We have examined management's assertion, included in the accompanying management assertion, that Option One Mortgage Corporation complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers as of and for the year ended December 31, 2005. Management is responsible for Option One Mortgage Corporation's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.  Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, including examining, on a test basis, evidence about Option One Mortgage Corporation's compliance with the minimum servicing standards specified above and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on Option One Mortgage Corporation's compliance with the minimum servicing standards.  In our opinion, management's assertion that Option One Mortgage Corporation complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated in all material respects.   /s/ KPMG LLP KPMG LLP  Los Angeles, California February 28, 2006            KPMG LLP, a U.S. limited liability partnership, is the U.S.           member firm of KPMG International, a Swiss cooperative.           OPTION ONE MORTGAGE An H&R Block Company                             Management Assertion   As of and for the year ended December 31, 2005, Option One Mortgage Corporation Complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers. As of and for this same period, Option One Mortgage Corporation had in effect a fidelity bond and errors and omissions policy in the amounts of $70,000,000 and $10,000,000, respectively.   /s/ Robert E. Dubrish Robert E. Dubrish, Chief Executive Officer   /s/ William L O'Neill William L. O'Neill Chief Financial Officer   /s/ Matthew A. Engel Matthew A. Engel Controller   /s/ Fabiola Camperi Fabiola Camperi Chief Servicing Officer    EX-2 3 ex02.txt EXHIBIT 2                            FORM SERVICER CERTIFICATION   Re: Encore Credit Receivables Trust Series 2005-3 Asset Backed Notes. Series 2005-3  I, Troy Gotschall, a duly elected and acting officer of ECC Capital Corporation (the `Servicer"), certify pursuant to Section 6.04 of the Servicing Agreement to the Owner and the Master Servicer, with respect to the calendar year immediately preceding the date of this Certificate (the "Relevant Year"), as follows:  1.  For purposes of this Certificate, "Relevant Information" means the information in the certificate provided pursuant to Section 6.04 of the Servicing Agreement for the Relevant Year and the information in all servicing reports required pursuant to the Servicing Agreement to be provided by the Servicer to the Over and Master Servicer during the Relevant Year. Based on my knowledge, the Relevant Information, taken as a whole, does not contain any untrue statement of a material bet or omit to state a material fact required to be stated therein which is necessary to make the statements made therein, in light of the circumstances under which such statements were made, not misleading as of the last day of the Relevant Year.  2.  The Relevant Information has been provided to those Persons entitled to receive it.  3.  I am responsible for reviewing the activities performed by the Servicer under the Servicing Agreement during the Relevant Year. Based upon the review required by the Servicing Agreement and except as disclosed in this Certificate or the accountants' statement provided pursuant to Section 6.05 of the Servicing Agreement, to the best of my knowledge, the Servicer has fulfilled its obligations under the Servicing Agreement throughout the Relevant Year.  Capitalized terms used but not defined herein have the meanings ascribed to them in the Servicing Agreement, dated August 1, 2005 (the "Servicing Agreement"), by and between Wachovia Mortgage Loan Trust, LLC, as owner (the "Owner") and ECC Capital C orporation, as servicer (the "Servicer").    ECC CAPITAL CORPORATION, as Servicer  By: /s/ Troy Gotschall - ----------------------- Troy Gotschall President  Date 3/22/06 - -----------------------    EX-3 4 ex03.txt EXHIBIT 3                    HOME MORTGAGE PURCHASE PROGRAM          PURSUANT TO THE POOLING AND SERVICING AGREEMENT    PROGRAM NAME:       Encore Credit Receivables Trust 2005-3                     Asset-Backed Notes, Series - 2005-3  In accordance with the above referenced Agreement, I, the undersigned, hereby certify as to each Mortgage Loan being serviced by the named institution that as of the preceding certification date, and in reliance on certifications by the underlying Sub-Servicers:       1.  I am an "Officer" as defined in the above referenced Agreement, and          am empowered and authorized to issue this Annual Certification.       2.  All taxes, ground rents and assessments for the Mortgages covered          herein have been paid.       3.  All insurance premiums far flood or other casualty insurance; and          FHA premiums or Private Mortgage Insurance premiums on conventional          loans have been paid, and all policies as required by the Agreement          are in full force. Servicer is in full compliance with the Private          Mortgage Insurance automatic termination provisions of the          Homeowners Protection Act of 1993, the American Homeownership and          Economic Opportunity Art of 2000, and Fannie Mae servicing          guidelines where applicable.       4.  Inspections have been made monthly do all delinquent, foreclosed or          otherwise vacant properties, and any other property the Servicer has          reason to believe requires an inspection.       5.  Analysis has been made to ensure sufficient moneys are being          collected in escrow for the current year.       6.  All information returns have been provided to the Internal Revenue          Service as required on activity relating to the relevant Mortgage          Loans.       7.  If Servicer originates mortgage loans for delivery to investor under          the referenced Agreement or services mortgage loans under the          referenced Agreement that are registered with MERS, the          Servicer has remained a member of MERS in good standing during          this Annual Certification period.       8.  There is no outstanding or threatened litigation regarding predatory          lending practices pertaining to any loans serviced under this          Program.  I further certify:      A.  To the best of my knowledge and upon reasonable investigation, the          servicing of the Mortgage Loans during the year preceding the last          certification date of the Agreement has been conducted in          compliance with the Agreement except for such exceptions as I am          setting forth below.  EXCEPTIONS (if any): - -----------------------------------------------------------------------------       B.  A review of activities with respect to performances under the          Agreement during the year preceding the last certification date of          the Agreement has been made under my supervision and to the best of          my knowledge, based on such review, no default exists as of the          above date in the fulfillment of any obligations under the Agreement          other than the events of default, if any, which I am listing below          with the nature arid status thereof.  EXCEPTIONS (if any):                     --------------------------------------------------------- - -----------------------------------------------------------------------------   NAME OF SERVICING INSTITUTION:    CitiMortgage Inc. NAME OF AUTHORIZED OFFICER:       Tommy R. Harris SIGNATURE OF SAME OFFICER:        /s/Tommy R. Harris TITLE OF SAME OFFICER:            Sr. Vice President, Manger of                                   Master Servicing DATE OF SIGNATURE:                March 29, 2006 CERTIFICATION COVERS PERIOD       January 1, 2005 to December 31, 2005     EX-4 5 ex04.htm EXHIBIT 4     encr0503p&i.pdf -- Converted by SECPublisher 4.0, created by BCL Technologies Inc., for SEC Filing       Encore       Credit Receivables Trust                      Asset-Backed       Notes, Series 2005-3                         Schedule of       Year-To-Date Principal and Interest Distributions to Certificateholders       for 2005            Class      Interest      Principal      Realized      Ending          Distribution      Paid      Losses      Balance    B      215,044.45      0.00      0.00      11,323,000.00    C1      0.00      0.00      11,805.32      29,336,078.23    C2      0.00      0.00      0.00      0.00    IA      5,355,521.10      45,410,723.81      0.00      354,589,276.19    IIA1      2,827,692.38      45,472,040.22      0.00      179,316,959.78    IIA2      2,425,799.07      0.00      0.00      174,088,000.00    IIA3      212,285.01      0.00      0.00      14,813,000.00    M1      563,383.89      0.00      0.00      38,600,000.00    M2      498,023.49      0.00      0.00      33,968,000.00    M3      341,092.60      0.00      0.00      23,160,000.00    M4      255,187.31      0.00      0.00      16,984,000.00    M5      265,239.03      0.00      0.00      17,499,000.00    M6      252,348.89      0.00      0.00      16,469,000.00    M7      269,788.30      0.00      0.00      15,955,000.00    M8      216,213.44      0.00      0.00      12,352,000.00    N      483,579.98      10,227,494.13      0.00      24,222,505.87    OTC      0.00      0.00      0.00      0.00         EX-5 6 ex05.txt EXHIBIT 5    CERTIFICATION PURSUANT TO SECTION 302(A) OF THE SARBANES-OXLEY ACT  I, Tommy Harris, Senior Vice President of CitiMortgage Inc., certify that:   1.     I have reviewed this annual report on Form 10-K, and all reports on        Form 8-K containing distribution or servicing reports filed in respect        of periods included in the year covered by this annual report, of        Encore Credit Receivables Trust 2005-3  2.     Based on my Knowledge, the information in these reports, taken as a        whole, does not contain any untrue statement of a material fact or        omit to state a material fact necessary to make the statements made,        in light of the circumstances under which such statements were made,        not misleading as of the last day of the period covered by this annual        report;  3.     Based upon my knowledge, the servicing information required to be        provided to the trustee by the servicer under the pooling and        servicing, or similar, agreement is included in these reports;  4.     I am responsible for reviewing the activities performed by the        servicer under the pooling and servicing, or similar, agreement and        based upon my knowledge and the annual compliance review required        under the pooling and servicing agreements, and except as        disclosed in the reports, the servicer has fulfilled its obligations        under that agreement; and  5.     The reports disclose all significant deficiencies relating to the        servicer's compliance with the minimum servicing standards based upon        the report provided by an independent public accountant; after        conducting a review in compliance with the Uniform Single Attestation        Program for Mortgage Bankers or similar procedure, as set forth in the        pooling and servicing, or similar, agreement that is included in these        reports;  6.     In giving the certifications above, I have reasonably relied on        information provided to me by the following unaffiiiated party; ECC        Capital Corporation   Date: March 22, 2006   /s/ Tommy Harris - ------------------ Name: Tommy Harris Title: Master Servicing Division        Senior Vice President     -----END PRIVACY-ENHANCED MESSAGE-----