Encore Credit Receivables Trust 2005-3 Inactive
Filed: 3 Nov 05, 12:00am
Encore Credit Receivables Trust Asset-Backed Notes, Series 2005-3
Distribution Date: 10-25-2005 Record Date: 09-30-2005
Distribution Summary
DISTRIBUTION IN DOLLARS
Prior Pass- t
Original Principal Through Interest Principal Total +8-9)
Class Balance Balance Rate Distributed Distributed Distributed
(1) (2) (3) (4) (5) (6) (7)=(5+6) IA 400,000,000.00 394,411,433.53 4.075000% 1,294,710.31 9,482,555.92 10,777,266.23 0.00
IIA1 224,789,000.00 219,737,934.16 3.950000% 699,193.90 13,233,737.47 13,932,931.37 0.00
IIA2 174,088,000.00 174,088,000.00 4.100000% 574,973.98 0.00 574,973.98 7 0.00
IIA3 14,813,000.00 14,813,000.00 4.220000% 50,355.97 0.00 50,355.97 7 0.00
M1 38,600,000.00 38,600,000.00 4.300000% 133,706.11 0.00 133,706.11 7 0.00
M2 33,968,000.00 33,968,000.00 4.320000% 118,208.64 0.00 118,208.64 7 0.00
M3 23,160,000.00 23,160,000.00 4.340000% 80,969.93 0.00 80,969.93 7 0.00
M4 16,984,000.00 16,984,000.00 4.430000% 60,609.29 0.00 60,609.29 7 0.00
M5 17,499,000.00 17,499,000.00 4.470000% 63,010.98 0.00 63,010.98 7 0.00
M6 16,469,000.00 16,469,000.00 4.520000% 59,965.46 0.00 59,965.46 7 0.00
M7 15,955,000.00 15,955,000.00 5.000000% 64,263.19 0.00 64,263.19 7 0.00
M8 12,352,000.00 12,352,000.00 5.180000% 51,542.15 0.00 51,542.15 7 0.00
B 11,323,000.00 11,323,000.00 5.630000% 51,352.95 0.00 51,352.95 7 0.00
N 34,450,000.00 31,677,312.71 4.949000% 130,642.52 2,627,392.44 2,758,034.96 0.00
C1 29,347,883.55 29,336,414.68 0.000000% 0.00 0.00 0.00 034.96 0.00
Totals 1,063,797,883.55 1,050,374,095.08 3,433,505.38 25,343,685.83 28,777,191.21 0.00
Notional Classes
C2 1,000,000,000.00 989,360,367.69 0.000000% 0.00 0.00 0.00 ,191.21 0.00
OTC 1,000,000,000.00 989,360,367.69 0.000000% 0.00 0.00 0.00 ,191.21 0.00
Totals 2,000,000,000.00 1,978,720,735.38 0.00 0.00 0.00 ,191.21 0.00
Distribution Summary (Factors)
PER $1,000 OF ORIGINAL BALANCE
Prior 005 19:17:46 GMT
Principal Interest Principal Total Deferred .21 Realized
Distributed
Class CUSIP Balance (5/2 x 1000) Distributed Distributed Interest .21 Loss
(3/2 x 1000) (6/2 x 1000) (7/2 x 1000) (8/2 x 1000) (9/2 x 1000) IA 29256PAA2 986.028584 3.236776 23.706390 26.943166 0.000000 0) 0.000000
IIA1 29256PAB0 977.529746 3.110445 58.871820 61.982265 0.000000 0) 0.000000
IIA2 29256PAC8 1,000.000000 3.302778 0.000000 3.302778 0.000000 0) 0.000000
IIA3 29256PAD6 1,000.000000 3.399444 0.000000 3.399444 0.000000 0) 0.000000
M1 29256PAE4 1,000.000000 3.463889 0.000000 3.463889 0.000000 0) 0.000000
M2 29256PAF1 1,000.000000 3.480000 0.000000 3.480000 0.000000 0) 0.000000
M3 29256PAG9 1,000.000000 3.496111 0.000000 3.496111 0.000000 0) 0.000000
M4 29256PAH7 1,000.000000 3.568611 0.000000 3.568611 0.000000 0) 0.000000
M5 29256PAJ3 1,000.000000 3.600833 0.000000 3.600833 0.000000 0) 0.000000
M6 29256PAK0 1,000.000000 3.641111 0.000000 3.641111 0.000000 0) 0.000000
M7 29256PAL8 1,000.000000 4.027777 0.000000 4.027777 0.000000 0) 0.000000
M8 29256PAM6 1,000.000000 4.172778 0.000000 4.172778 0.000000 0) 0.000000
B 29256PAN4 1,000.000000 4.535278 0.000000 4.535278 0.000000 0) 0.000000
N 29256PAP9 919.515608 3.792236 76.266834 80.059070 0.000000 0) 0.000000
C1 126673M74 999.609210 0.000000 0.000000 0.000000 0.000000 0) 0.011464
C2 126673M82 989.360368 0.000000 0.000000 0.000000 0.000000 0) 0.000000
OTC 989.360368 0.000000 0.000000 0.000000 0.000000 0) 0.000000
Interest Distribution Detail
DISTRIBUTION IN DOLLARS
Prior Pass- Optimal Prior Non-Recov V
Principal Through Accrued Unpaid Interest Interest 0) Deferred
i
Class Balance Rate Interest Interest Shortfall Due est 0) Interest
(1) (2) (3) (4) (5) (6) (7)=(4)+(5)-(6) (8) IA 394,411,433.53 4.075000% 1,294,710.31 0.00 0.00 1,294,710.31 ) 0.00
IIA1 219,737,934.16 3.950000% 699,193.90 0.00 0.00 699,193.90 ) 0.00
IIA2 174,088,000.00 4.100000% 574,973.98 0.00 0.00 574,973.98 ) 0.00
IIA3 14,813,000.00 4.220000% 50,355.97 0.00 0.00 50,355.97 ) 0.00
M1 38,600,000.00 4.300000% 133,706.11 0.00 0.00 133,706.11 ) 0.00
M2 33,968,000.00 4.320000% 118,208.64 0.00 0.00 118,208.64 ) 0.00
M3 23,160,000.00 4.340000% 80,969.93 0.00 0.00 80,969.93 ) 0.00
M4 16,984,000.00 4.430000% 60,609.29 0.00 0.00 60,609.29 ) 0.00
M5 17,499,000.00 4.470000% 63,010.98 0.00 0.00 63,010.98 ) 0.00
M6 16,469,000.00 4.520000% 59,965.46 0.00 0.00 59,965.46 ) 0.00
M7 15,955,000.00 5.000000% 64,263.19 0.00 0.00 64,263.19 ) 0.00
M8 12,352,000.00 5.180000% 51,542.15 0.00 0.00 51,542.15 ) 0.00
B 11,323,000.00 5.630000% 51,352.95 0.00 0.00 51,352.95 ) 0.00
N 31,677,312.71 4.949000% 130,642.52 0.00 0.00 130,642.52 ) 0.00
C1 29,336,414.68 0.000000% 0.00 0.00 0.00 0.00 2.52 ) 0.00
Totals 1,050,374,095.08 3,433,505.38 0.00 0.00 3,433,505.38 ) 0.00
Notional Classes
C2 989,360,367.69 0.000000% 0.00 0.00 0.00 0.00 505.38 ) 0.00
OTC 989,360,367.69 0.000000% 0.00 0.00 0.00 0.00 505.38 ) 0.00
Totals 1,978,720,735.38 0.00 0.00 0.00 0.00 505.38 ) 0.00
Principal Distribution Detail
DISTRIBUTION IN DOLLARS
Prior Current Current .38 ) Current
Original Principal Principal Accreted Realized Principal 8 ) Principal
Class Balance Balance Distribution Principal Losses Recoveries ) Balance
(1) (2) (3) (4) (5) (6) (7) eries ) (8)=(3)-(4)+(5)-(6)+(7) (9)IA 400,000,000.00 394,411,433.53 9,482,555.92 0.00 0.00 0.00 ries ) 384,928,877.61
IIA1 224,789,000.00 219,737,934.16 13,233,737.47 0.00 0.00 0.00 ries ) 206,504,196.69
IIA2 174,088,000.00 174,088,000.00 0.00 0.00 0.00 0.00 ries ) 174,088,000.00
IIA3 14,813,000.00 14,813,000.00 0.00 0.00 0.00 0.00 ries ) 14,813,000.00
M1 38,600,000.00 38,600,000.00 0.00 0.00 0.00 0.00 ries ) 38,600,000.00
M2 33,968,000.00 33,968,000.00 0.00 0.00 0.00 0.00 ries ) 33,968,000.00
M3 23,160,000.00 23,160,000.00 0.00 0.00 0.00 0.00 ries ) 23,160,000.00
M4 16,984,000.00 16,984,000.00 0.00 0.00 0.00 0.00 ries ) 16,984,000.00
M5 17,499,000.00 17,499,000.00 0.00 0.00 0.00 0.00 ries ) 17,499,000.00
M6 16,469,000.00 16,469,000.00 0.00 0.00 0.00 0.00 ries ) 16,469,000.00
M7 15,955,000.00 15,955,000.00 0.00 0.00 0.00 0.00 ries ) 15,955,000.00
M8 12,352,000.00 12,352,000.00 0.00 0.00 0.00 0.00 ries ) 12,352,000.00
B 11,323,000.00 11,323,000.00 0.00 0.00 0.00 0.00 ries ) 11,323,000.00
N 34,450,000.00 31,677,312.71 2,627,392.44 0.00 0.00 0.00 ries ) 29,049,920.27
C1 29,347,883.55 29,336,414.68 0.00 0.00 336.45 0.00 ries ) 29,336,078.23
Totals 1,063,797,883.55 1,050,374,095.08 25,343,685.83 0.00 336.45 0.00 ries ) 1,025,030,072.80
Class Rating Detail ries ) /
Fitch Moody's S&P
Class Cusip Current Date Current Date Current s ) Date
IA 29256PAA2 NR Aaa 19-Sep-05AAA
IIA1 29256PAB0 NR Aaa 19-Sep-05AAA
IIA2 29256PAC8 NR Aaa 19-Sep-05AAA
IIA3 29256PAD6 NR Aaa 19-Sep-05AAA
M1 29256PAE4 NR Aa1 19-Sep-05AA+
M2 29256PAF1 NR Aa2 19-Sep-05AA+
M3 29256PAG9 NR Aa3 19-Sep-05A
M4 29256PAH7 NR A1 19-Sep-05AA-
M5 29256PAJ3 NR A2 19-Sep-05A+
M6 29256PAK0 NR A3 19-Sep-05A
M7 29256PAL8 NR Baa1 19-Sep-05A-
M8 29256PAM6 NR Baa2 19-Sep-05BBB+ nt s ) /
B 29256PAN4 NR Baa3 19-Sep-05BBB
N 29256PAP9 NR NR A-
C1 126673M74 NR NR NR
C2 126673M82 NR NR NR
OTC 02385ZZZ1 NR NR NR
All ratings are updated through the last day of the prior month, however some ratings may include more recent updates. nt s ) /Collateral Summary - Group 1
ASSET CHARACTERISTICS
Cut-Off Prior Current
Aggregate Stated Principal Balance 506,017,875.76 500,423,285.16 490,940,588.79
Loan Count 2,652 2,629 2,585
Weighted Average Coupon Rate (WAC) 7.212064% 7.206806% N/A
Net Weighted Average Coupon Rate (Net WAC)6.688564% 6.683306% N/A
Weighted Average Maturity (WAM in months) 356 356 355
AVAILABLE PRINCIPAL AVAILABLE INTEREST
Scheduled Principal 303,720.96 Curtailments 10,933.13 Prepayments in Full 9,168,042.28 Liquidation Proceeds 0.00 Repurchased Principal 0.00 Substitution Principal 0.00 Other Principal 0.00
TOTAL AVAILABLE PRINCIPAL 9,482,696.37
Current Realized Losses 0.00 Realized Losses and Recoveries from Prior Periods 0.00 Cumulative Realized Losses 0.00
Scheduled Interest 3,005,378.35
Add: Cap Contract Amount 51,121.41 Less: Servicing Fee 208,509.79 Master Servicing Fee 2,085.10 Credit Risk Management Fee 7,520.55 Indenture Trustee Fee 194.51 Uncompensated PPIS 0.00 Civil Relief Act Shortfall 0.00 Other Amounts 3,904.58
TOTAL AVAILABLE INTEREST 2,834,285.23
Collateral Summary - Group 2
ASSET CHARACTERISTICS
Cut-Off Prior Current
Aggregate Stated Principal Balance 523,330,007.79 518,273,497.21 505,039,563.74
Loan Count 2,194 2,178 2,134
Weighted Average Coupon Rate (WAC) 7.192196% 7.188431% N/A
Net Weighted Average Coupon Rate (Net WAC)6.668696% 6.664931% N/A
Weighted Average Maturity (WAM in months) 355 355 354
AVAILABLE PRINCIPAL AVAILABLE INTEREST
Scheduled Principal 311,049.03 Curtailments 23,609.59 Prepayments in Full 12,899,274.85 Liquidation Proceeds 0.00 Repurchased Principal 0.00 Substitution Principal 0.00 Other Principal 0.00
TOTAL AVAILABLE PRINCIPAL 13,233,933.47
Current Realized Losses 0.00 Realized Losses and Recoveries from Prior Periods 0.00 Cumulative Realized Losses 0.00
Scheduled Interest 3,104,644.68
Add: Cap Contract Amount 52,944.92 Less: Servicing Fee 215,947.37 Master Servicing Fee 2,159.73 Credit Risk Management Fee 7,787.12 Indenture Trustee Fee 203.31 Uncompensated PPIS 0.00 Civil Relief Act Shortfall 0.00 Other Amounts 3,991.03
TOTAL AVAILABLE INTEREST 2,927,501.04
Delinquency Information
GROUP 1
30-59 Days 60-89 Days 90+ Days Totals
Delinquency
Scheduled Principal Balance 801,426.25 0.00 0.00 801,426.25 Percentage of Total Pool Balance 0.1632% 0.0000% 0.0000% 0.1632% Number of Loans 3 0 0 3
Percentage of Total Loans 0.1161% 0.0000% 0.0000% 0.1161% Bankruptcy
Scheduled Principal Balance 207,481.95 0.00 0.00 0.00 207,481.95 Percentage of Total Pool Balance 0.0423% 0.0000% 0.0000% 0.0000% 0.0423%
Number of Loans 2 0 0 0 2 Percentage of Total Loans 0.0774% 0.0000% 0.0000% 0.0000% 0.0774%
Foreclosure
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%
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 207,481.95 801,426.25 0.00 0.00 1,008,908.20 Percentage of Total Pool Balance 0.0423% 0.1632% 0.0000% 0.0000% 0.2055%
Number of Loans 2 3 0 0 5 Percentage of Total Loans 0.0774% 0.1161% 0.0000% 0.0000% 0.1934%
Principal and Interest Advances 5,147.18
Delinquency Information
GROUP 2
30-59 Days 60-89 Days 90+ Days Totals
Delinquency
Scheduled Principal Balance 1,416,725.42 0.00 0.00 1,416,725.42 Percentage of Total Pool Balance 0.2805% 0.0000% 0.0000% 0.2805% Number of Loans 5 0 0 5
Percentage of Total Loans 0.2343% 0.0000% 0.0000% 0.2343% Bankruptcy
Scheduled Principal Balance 170,536.95 0.00 0.00 0.00 170,536.95 Percentage of Total Pool Balance 0.0338% 0.0000% 0.0000% 0.0000% 0.0338%
Number of Loans 2 0 0 0 2 Percentage of Total Loans 0.0937% 0.0000% 0.0000% 0.0000% 0.0937%
Foreclosure
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%
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 170,536.95 1,416,725.42 0.00 0.00 1,587,262.37 Percentage of Total Pool Balance 0.0338% 0.2805% 0.0000% 0.0000% 0.3143%
Number of Loans 2 5 0 0 7 Percentage of Total Loans 0.0937% 0.2343% 0.0000% 0.0000% 0.3280%
Principal and Interest Advances 8,219.56
Standard Prepayment and Default Information
Wtd. Avg. Current
Payment Age Collateral Scheduled Unschedule Liquidation
Date (Months) Balance Principal Principal Principal
25-Oct-05 3.36 995,980,152.53 -
614,769.99 22,101,859.85
26-Sep-05 2.36 1,018,696,782.37 -
621,872.39 10,029,228.79SMM CPR PSA MDR CDR SDA 2.170% 23.149% 3440% 0.000% 0.000% 0% 0.975% 11.088% 2358% 0.000% 0.000% 0%
SMM (Single Month Mortality) = Unscheduled Principal / (Beginning Balance - Scheduled Principal) CPR (Constant Prepayment Rate) = 1 - ((1-SMM)^12) PSA (Public Securities Association) = CPR * (min(.2% * Age, 6%))
MDR (Monthly Default Rate) = Beginning Balance of Liquidated Asset / Total Beginning Balance CDR (Conditional Default Rate) = 1 - ((1-MDR)^12) SDA (Standard Default Assumption) = CDR * (min(.2% * Age, 6%))
Credit Enhancement
SUBORDINATION LEVELS
Original Prior Current
Aggregate Certificate Principal Balance 1,000,000,000.00 989,360,367.69 966,644,074.30
Senior Principal Balance 825,013,000.00 814,373,367.69 791,657,074.30 Senior Percentage 82.501300% 82.313118% 81.897473% Senior Credit Support 17.498700% 17.686882% 18.102527%
Class M1 Principal Balance 38,600,000.00 38,600,000.00 38,600,000.00 Class M1 Percentage 3.860000% 3.901511% 3.993197% Class M1 Credit Support 13.638700% 13.785371% 14.109330%
Class M2 Principal Balance 33,968,000.00 33,968,000.00 33,968,000.00 Class M2 Percentage 3.396800% 3.433329% 3.514013% Class M2 Credit Support 10.241900% 10.352042% 10.595317%
Class M3 Principal Balance 23,160,000.00 23,160,000.00 23,160,000.00 Class M3 Percentage 2.316000% 2.340906% 2.395918% Class M3 Credit Support 7.925900% 8.011136% 8.199399%
Class M4 Principal Balance 16,984,000.00 16,984,000.00 16,984,000.00 Class M4 Percentage 1.698400% 1.716665% 1.757007% Class M4 Credit Support 6.227500% 6.294471% 6.442392%
Class M5 Principal Balance 17,499,000.00 17,499,000.00 17,499,000.00 Class M5 Percentage 1.749900% 1.768719% 1.810284% Class M5 Credit Support 4.477600% 4.525752% 4.632108%
Class M6 Principal Balance 16,469,000.00 16,469,000.00 16,469,000.00 Class M6 Percentage 1.646900% 1.664611% 1.703729% Class M6 Credit Support 2.830700% 2.861141% 2.928379%
Class M7 Principal Balance 15,955,000.00 15,955,000.00 15,955,000.00 Class M7 Percentage 1.595500% 1.612658% 1.650556% Class M7 Credit Support 1.235200% 1.248483% 1.277823%
Class M8 Principal Balance 12,352,000.00 12,352,000.00 12,352,000.00 Class M8 Percentage 1.235200% 1.248483% 1.277823% Class M8 Credit Support 0.000000% 0.000000% 0.000000% Credit Enhancement
GROUP 1
Overcollateralization Target Amount 29,336,078.23 2.9454% Beginning Overcollateralization Amount 29,336,414.68 2.8798% Overcollateralization Deficiency Amount 0.00 Excess Overcollateralization Amount 336.45
Excess Spread Available for O/C Deficiency2,458,923.41 Overcollateralization Increase Amount 0.00 Overcollateralization Reduction Amount 336.45
Ending Overcollateralization 29,336,078.23 2.9454%
Credit Enhancement Percentage 21.6516%
Other Information
Rate Cap Contract
Cap Contract Beginning Notional
Amount 807,411,219.76
Cap Contract Ending Notional
Amount 804,632,012.35
Current Cap Amount Paid 104,066.33
Next Cap Amount to be Paid 254,632.51Deal Performance Information
Cumulative Loss Percentage 0.000000%
Cumulative Loss Trigger on and
after Stepdown Date (25-Sep-2008) 1.550000%
Cumulative Trigger Event No
Three-Month Rolling Delinquency
Percentage 0.000000%
Delinquency Trigger 7.832475%
Delinquency Trigger Event No
Servicer Termination Trigger NoRate Reset Information
Current Libor 3.830000%
Next Libor 4.037500%
Weighted Average Pass-Through
Rate 4.169167%Next Pass-Through Rate Information
IA1 Next Pass-Through Rate 4.282500%
IIA1 Next Pass-Through Rate 4.157500%
IIA2 Next Pass-Through Rate 4.307500%
IIA3 Next Pass-Through Rate 4.427500%
M1 Next Pass-Through Rate 4.507500%
M2 Next Pass-Through Rate 4.527500%
M3 Next Pass-Through Rate 4.547500%
M4 Next Pass-Through Rate 4.637500%
M5 Next Pass-Through Rate 4.677500%
M6 Next Pass-Through Rate 4.727500%
M7 Next Pass-Through Rate 5.207500%
M8 Next Pass-Through Rate 5.387500%
B Next Pass-Through Rate 5.837500%WATERFALL DISTRIBUTION DETAIL
Group 1 Interest Funds 2,834,285.23
Class IA Current & Carryforward
Interest -1,294,710.31
Remaining Group 1
Interest Funds 1,539,574.92Group 2 Interest Funds 2,927,501.04
Class IIA1, IIA2, IIA3 Current &
Carryforward Interest -1,324,523.85
Remaining Group 2
Interest Funds 1,602,977.19Remaining Group 1 & 2 Interest Funds 3,142,552.11
Class M1 Current & Carryforward
Interest -133,706.11
Class M2 Current & Carryforward
Interest -118,208.64
Class M3 Current & Carryforward
Interest -80,969.93
Class M4 Current & Carryforward
Interest -60,609.29
Class M5 Current & Carryforward
Interest -63,010.98
Class M6 Current & Carryforward
Interest -59,965.46
Class M7 Current & Carryforward
Interest -64,263.19
Class M8 Current & Carryforward
Interest -51,542.15
Class B Current & Carryforward
Interest -51,352.95
Remaining Group 1 & 2
Interest Funds to be distributed as Excess2,458,923.41
CashflowGroup 1 Principal Funds 9,482,696.37
Overcollateralization Release
Amount to be distributed as Excess -140.45
Cashflow
Class IA Principal -9,482,555.92
Remaining Group 1
Principal Funds 0.00Group 2 Principal Funds 13,233,933.47
Overcollateralization Release
Amount to be distributed as Excess -196.00
Cashflow
Class IIA1 Principal -13,233,737.47
Class IIA2 Principal 0.00
Class IIA3 Principal 0.00
Remaining Group 2
Principal Funds 0.00WATERFALL 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 distributed as 0.00
Excess CashflowExcess Cashflow 2,459,259.86
Class IA Extra Principal Payment
Amount to increase Overcollateralization 0.00
Class IIA Extra Principal
Payment Amount to increase 0.00
Overcollateralization
Class N Current & Carryforward
Interest and Principal Payment Amount -2,459,259.86
Class C1 and Class C2 Current
Interest 0.00
Class C1 payment in reduction of
the Note Principal Balance 0.00
Remaining Excess Cashflow to the
Owner Trust Certificate 0.00Group 1 Prepayment Charges 154,584.37
Group 2 Prepayment Charges 144,190.73
Class N Prepayment Charges and
Prepayment Charge Payment Amounts -298,775.10CONTACT INFORMATION CONTENTS
Seller / Servicer ECC Capital Corporation 1833 Alton Parkway
Irvine, CA 92606
Depositor Wachovia Mortgage Loan
Trust, LLC
301 South College Street, NC0610Charlotte, NC 28288
Originator Encore Credit Corp & Bravo
Credit Corp
1833 Alton ParkwayIrvine, CA 92606
Credit Risk Manager MortgageRamp, LLC 7000 Central Parkway, Suite 800
Atlanta, GA 30328
Master Servicer CitiMortgage, Inc. 14651 Dallas Parkway, Suite 210
Dallas, TX 75240
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
Tel: (212) 816-5681 388 Greenwich Street,
14th Floor
Fax: (212) 816-5527 New York, NY 10013Page 1 of 1 Reports Available at (c) Copyright 2005
www.sf.citidirect.com Citigroup