Encore Credit Receivables Trust 2005-3 Inactive
Filed: 2 Dec 05, 12:00am
Encore Credit Receivables Trust Asset-Backed Notes, Series 2005-3 Distribution Date: 11/25/2005 Record Date: 10/31/2005
Distribution Summary
DISTRIBUTION IN DOLLARS
Prior Pass-
Original Principal Through Interest Principal Total Deferred Realized
Class Balance Balance Rate Distributed Distributed Distributed Interest Loss
(1) (2) (3) (4) (5) (6) (7)=(5+6) (8) (9) IA 400,000,000.00 384,928,877.61 4.282500% 1,419,505.43 13,120,310.88 14,539,816.31 0.00 0.00
IIA1 224,789,000.00 206,504,196.69 4.157500% 739,299.36 10,819,809.96 11,559,109.32 0.00 0.00
IIA2 174,088,000.00 174,088,000.00 4.307500% 645,733.50 0.00 645,733.50 0.00 0.00
IIA3 14,813,000.00 14,813,000.00 4.427500% 56,475.59 0.00 56,475.59 0.00 0.00
M1 38,600,000.00 38,600,000.00 4.507500% 149,824.29 0.00 149,824.29 0.00 0.00
M2 33,968,000.00 33,968,000.00 4.527500% 132,430.38 0.00 132,430.38 0.00 0.00
M3 23,160,000.00 23,160,000.00 4.547500% 90,692.31 0.00 90,692.31 0.00 0.00
M4 16,984,000.00 16,984,000.00 4.637500% 67,823.95 0.00 67,823.95 0.00 0.00
M5 17,499,000.00 17,499,000.00 4.677500% 70,483.30 0.00 70,483.30 0.00 0.00
M6 16,469,000.00 16,469,000.00 4.727500% 67,043.70 0.00 67,043.70 0.00 0.00
M7 15,955,000.00 15,955,000.00 5.207500% 71,545.99 0.00 71,545.99 0.00 0.00
M8 12,352,000.00 12,352,000.00 5.387500% 57,303.84 0.00 57,303.84 0.00 0.00
B 11,323,000.00 11,323,000.00 5.837500% 56,917.73 0.00 56,917.73 0.00 0.00
N 34,450,000.00 29,049,920.27 4.949000% 119,806.71 2,378,621.92 2,498,428.63 0.00 0.00
C1 29,347,883.55 29,336,078.23 0.000000% 0.00 0.00 0.00 0.00 0.00
Totals 1,063,797,883.55 1,025,030,072.80 3,744,886.08 26,318,742.76 30,063,628.84 0.00 0.00
Notional Classes
C2 1,000,000,000.00 966,644,074.30 0.000000% 0.00 0.00 0.00 0.00 0.00
OTC 1,000,000,000.00 966,644,074.30 0.000000% 0.00 0.00 0.00 0.00 0.00
Totals 2,000,000,000.00 1,933,288,148.60 0.00 0.00 0.00 0.00
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 962.322194 3.548764 32.800777 36.349541 0.000000 0.000000 929.521417
IIA1 29256PAB0 918.657927 3.288859 48.133182 51.422042 0.000000 0.000000 870.524744
IIA2 29256PAC8 1,000.000000 3.709236 0.000000 3.709236 0.000000 0.000000 1,000.000000
IIA3 29256PAD6 1,000.000000 3.812569 0.000000 3.812569 0.000000 0.000000 1,000.000000
M1 29256PAE4 1,000.000000 3.881458 0.000000 3.881458 0.000000 0.000000 1,000.000000
M2 29256PAF1 1,000.000000 3.898681 0.000000 3.898681 0.000000 0.000000 1,000.000000
M3 29256PAG9 1,000.000000 3.915903 0.000000 3.915903 0.000000 0.000000 1,000.000000
M4 29256PAH7 1,000.000000 3.993403 0.000000 3.993403 0.000000 0.000000 1,000.000000
M5 29256PAJ3 1,000.000000 4.027847 0.000000 4.027847 0.000000 0.000000 1,000.000000
M6 29256PAK0 1,000.000000 4.070903 0.000000 4.070903 0.000000 0.000000 1,000.000000
M7 29256PAL8 1,000.000000 4.484236 0.000000 4.484236 0.000000 0.000000 1,000.000000
M8 29256PAM6 1,000.000000 4.639236 0.000000 4.639236 0.000000 0.000000 1,000.000000
B 29256PAN4 1,000.000000 5.026736 0.000000 5.026736 0.000000 0.000000 1,000.000000
N 29256PAP9 843.248774 3.477698 69.045629 72.523327 0.000000 0.000000 774.203145
C1 126673M74 999.597745 0.000000 0.000000 0.000000 0.000000 0.000000 999.597745
C2 126673M82 966.644074 0.000000 0.000000 0.000000 0.000000 0.000000 942.703953
OTC 966.644074 0.000000 0.000000 0.000000 0.000000 0.000000 942.703953
Interest Distribution Detail
DISTRIBUTION IN DOLLARS
Prior Pass- Optimal Prior Non-Recov
Principal Through Accrued Unpaid Interest Interest Deferred Interest
Distributed
Class Balance Rate Interest Interest Shortfall Due Interest (9)
(1) (2) (3) (4) (5) (6) (7)=(4)+(5)-(6)(8) IA 384,928,877.61 4.282500% 1,419,505.43 0.00 0.00 1,419,505.43 0.00 1,419,505.430.00
IIA1 206,504,196.69 4.157500% 739,299.36 0.00 0.00 739,299.36 0.00 739,299.36 0.00
IIA2 174,088,000.00 4.307500% 645,733.50 0.00 0.00 645,733.50 0.00 645,733.50 0.00
IIA3 14,813,000.00 4.427500% 56,475.59 0.00 0.00 56,475.59 0.00 56,475.59
M1 38,600,000.00 4.507500% 149,824.29 0.00 0.00 149,824.29 0.00 149,824.29 0.00
M2 33,968,000.00 4.527500% 132,430.38 0.00 0.00 132,430.38 0.00 132,430.38 0.00
M3 23,160,000.00 4.547500% 90,692.31 0.00 0.00 90,692.31 0.00 90,692.31
M4 16,984,000.00 4.637500% 67,823.95 0.00 0.00 67,823.95 0.00 67,823.95
M5 17,499,000.00 4.677500% 70,483.30 0.00 0.00 70,483.30 0.00 70,483.30
M6 16,469,000.00 4.727500% 67,043.70 0.00 0.00 67,043.70 0.00 67,043.70
M7 15,955,000.00 5.207500% 71,545.99 0.00 0.00 71,545.99 0.00 71,545.99
M8 12,352,000.00 5.387500% 57,303.84 0.00 0.00 57,303.84 0.00 57,303.84
B 11,323,000.00 5.837500% 56,917.73 0.00 0.00 56,917.73 0.00 56,917.73
N 29,049,920.27 4.949000% 119,806.71 0.00 0.00 119,806.71 0.00 119,806.71 0.00
C1 29,336,078.23 0.000000% 0.00 0.00 0.00 0.00 0.00 0.00
Totals 1,025,030,072.80 3,744,886.08 0.00 0.00 3,744,886.08 0.00 3,744,886.080.00
Notional Classes
C2 966,644,074.30 0.000000% 0.00 0.00 0.00 0.00 0.00 0.00
OTC 966,644,074.30 0.000000% 0.00 0.00 0.00 0.00 0.00 0.00
Totals 1,933,288,148.60 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 400,000,000.00 384,928,877.61 13,120,310.88 0.00 0.00 0.00 371,808,566.73 0.00
IIA1 224,789,000.00 206,504,196.69 10,819,809.96 0.00 0.00 0.00 195,684,386.73 0.00
IIA2 174,088,000.00 174,088,000.00 0.00 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 29,049,920.27 2,378,621.92 0.00 0.00 0.00 26,671,298.35 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 1,025,030,072.80 26,318,742.76 3,510,857.80 23,940,120.84 0.00 998,711,330.04 0.00
Class Rating Detail
Fitch Moody's S&P
Class Cusip Current Date Current Date Current Date
IA 29256PAA2 NR Aaa 19-Sep-05 AAA 31-Aug-05
IIA1 29256PAB0 NR Aaa 19-Sep-05 AAA 31-Aug-05
IIA2 29256PAC8 NR Aaa 19-Sep-05 AAA 31-Aug-05
IIA3 29256PAD6 NR Aaa 19-Sep-05 AAA 31-Aug-05
M1 29256PAE4 NR Aa1 19-Sep-05 AA+ 31-Aug-05
M2 29256PAF1 NR Aa2 19-Sep-05 AA+ 31-Aug-05
M3 29256PAG9 NR Aa3 19-Sep-05 A 31-Aug-05
M4 29256PAH7 NR A1 19-Sep-05 AA- 31-Aug-05
M5 29256PAJ3 NR A2 19-Sep-05 A+ 31-Aug-05
M6 29256PAK0 NR A3 19-Sep-05 A 31-Aug-05
M7 29256PAL8 NR Baa1 19-Sep-05 A- 31-Aug-05
M8 29256PAM6 NR Baa2 19-Sep-05 BBB+ 31-Aug-05
B 29256PAN4 NR Baa3 19-Sep-05 BBB 31-Aug-05
N 29256PAP9 NR NR A- 31-Aug-05
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.Collateral Summary - Group 1
ASSET CHARACTERISTICS
Cut-Off Prior Current
Aggregate Stated Principal Balance 506,017,875.76 490,940,588.79 477,820,277.91
Loan Count 2,652 2,585 2,524
Weighted Average Coupon Rate (WAC) 7.212064% 7.202344% N/A
Net Weighted Average Coupon Rate (Net WAC) 6.688564% 6.678844% N/A
Weighted Average Maturity (WAM in 356 355 354 months)
AVAILABLE PRINCIPAL AVAILABLE INTEREST
Scheduled Principal 300,636.36 Curtailments 11,782.98 Prepayments in Full 12,807,891.54 Liquidation Proceeds 0.00 Repurchased Principal 0.00 Substitution Principal0.00 Other Principal 0.00
TOTAL AVAILABLE PRINCIPAL 13,120,310.88
Current Realized Losses 0.00 Realized Losses and Recoveries from Prior 0.00 Periods Cumulative Realized Losses 0.00
Scheduled Interest 2,946,602.86 Curtailments 11,782.98 Add: Cap Contract Amount 125,513.98 Less: Servicing Fee 204,558.71 Master Servicing Fee 2,045.69 Credit Risk Management Fee 6,137.17 Indenture Trustee Fee 1,431.65 Uncompensated PPIS 0.00 Civil Relief Act Shortfall 0.00 Other Amounts 0.00
TOTAL AVAILABLE INTEREST 2,857,943.62
Collateral Summary - Group 2
ASSET CHARACTERISTICS
Cut-Off Prior Current
Aggregate Stated Principal Balance 523,330,007.79 505,039,563.74 494,219,753.78
Loan Count 2,194 2,134 2,095
Weighted Average Coupon Rate (WAC) 7.192196% 7.184230% N/A
Net Weighted Average Coupon Rate (Net WAC) 6.668696% 6.660730% N/A
Weighted Average Maturity (WAM in 355 354 353 months)
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 Principal0.00 Other Principal 0.00
TOTAL AVAILABLE PRINCIPAL 13,233,933.47
Current Realized Losses 0.00 Realized Losses and Recoveries from Prior 0.00 Periods Cumulative Realized Losses 0.00
Scheduled Interest 3,023,600.55 Curtailments 25,497.77 Add: Cap Contract Amount 129,118.53 Less: Servicing Fee 210,433.37 Master Servicing Fee 2,104.50 Credit Risk Management Fee 6,313.18 Indenture Trustee Fee 1,473.06 Uncompensated PPIS 0.00 Civil Relief Act Shortfall 0.00 Other Amounts 0.00
TOTAL AVAILABLE INTEREST 2,932,394.97
Delinquency Information
GROUP 1
30-59 Days 60-89 Days 90+ Days Totals
Delinquency
Scheduled Principal Balance 7,793,749.05 318,755.09 0.00 8,112,504.14 Percentage of Total Pool Balance 1.6311% 0.0667% 0.0000% 1.6978% Number of Loans 43 1 0 44
Percentage of Total Loans 1.7036% 0.0396% 0.0000% 1.7433% Bankruptcy
Scheduled Principal Balance 836,236.85 0.00 0.00 0.00 836,236.85 Percentage of Total Pool Balance 0.1750% 0.0000% 0.0000% 0.0000% 0.1750%
Number of Loans 6 0 0 0 6 Percentage of Total Loans 0.2377% 0.0000% 0.0000% 0.0000% 0.2377%
Foreclosure
Scheduled Principal Balance 0.00 193,034.74 0.00 193,034.74 Percentage of Total Pool Balance 0.0000% 0.0404% 0.0000% 0.0404%
Number of Loans 0 1 0 1 Percentage of Total Loans 0.0000% 0.0396% 0.0000% 0.0396%
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 836,236.85 7,793,749.05 511,789.83 0.00 9,141,775.73 Percentage of Total Pool Balance 0.1750% 1.6311% 0.1071% 0.0000% 1.9132%
Number of Loans 6 43 2 0 51 Percentage of Total Loans 0.2377% 1.7036% 0.0792% 0.0000% 2.0206%
Principal and Interest Advances 54,511.39
Delinquency Information
GROUP 2
Less Than 30 Days 30-59 Days 60-89 Days 90+ Days Totals
Delinquency
Scheduled Principal Balance 7,033,024.52 967,274.27 0.00 8,000,298.79 Percentage of Total Pool Balance 1.4231% 0.1957% 0.0000% 1.6188% Number of Loans 36 4 0 40
Percentage of Total Loans 1.7184% 0.1909% 0.0000% 1.9093% Bankruptcy
Scheduled Principal Balance 379,054.61 0.00 0.00 0.00 379,054.61 Percentage of Total Pool Balance 0.0767% 0.0000% 0.0000% 0.0000% 0.0767%
Number of Loans 4 0 0 0 4 Percentage of Total Loans 0.1909% 0.0000% 0.0000% 0.0000% 0.1909%
Foreclosure
Scheduled Principal Balance 539,023.89 0.00 0.00 539,023.89 Percentage of Total Pool Balance 0.1091% 0.0000% 0.0000% 0.1091%
Number of Loans 2 0 0 2 Percentage of Total Loans 0.0955% 0.0000% 0.0000% 0.0955%
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 379,054.61 7,572,048.41 967,274.27 0.00 8,918,377.29 Percentage of Total Pool Balance 0.0767% 1.5321% 0.1957% 0.0000% 1.8045%
Number of Loans 4 38 4 0 46 Percentage of Total Loans 0.1909% 1.8138% 0.1909% 0.0000% 2.1957%
Principal and Interest Advances 52,525.78
Standard Prepayment and Default Information
Wtd. Avg. Current
Payment Age Collateral Scheduled Unschedule Liquidation
Date (Months) Balance Principal Principal Principal
25-Nov-054.35
972,040,031.69 607,617.85 23,332,502.99 -
25-Oct-053.36
995,980,152.53 614,769.99 22,101,859.85 -
26-Sep-052.36 1,018,696,782.37
621,872.39 10,029,228.79 -SMM CPR PSA MDR CDR SDA
2.343%24.764% 2845% 0.000% 0.000% 0%
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 1,000,000,000.00 966,644,074.30 942,703,953.46
Senior Principal Balance 825,013,000.00 791,657,074.30 767,716,953.46 Senior Percentage 82.501300% 81.897473% 81.437757% Senior Credit Support 17.498700% 18.102527% 18.562243%
Class M1 Principal Balance 38,600,000.00 38,600,000.00 38,600,000.00 Class M1 Percentage 3.860000% 3.993197% 4.094605% Class M1 Credit Support 13.638700% 14.109330% 14.467638%
Class M2 Principal Balance 33,968,000.00 33,968,000.00 33,968,000.00 Class M2 Percentage 3.396800% 3.514013% 3.603252% Class M2 Credit Support 10.241900% 10.595317% 10.864386%
Class M3 Principal Balance 23,160,000.00 23,160,000.00 23,160,000.00 Class M3 Percentage 2.316000% 2.395918% 2.456763% Class M3 Credit Support 7.925900% 8.199399% 8.407624%
Class M4 Principal Balance 16,984,000.00 16,984,000.00 16,984,000.00 Class M4 Percentage 1.698400% 1.757007% 1.801626% Class M4 Credit Support 6.227500% 6.442392% 6.605998%
Class M5 Principal Balance 17,499,000.00 17,499,000.00 17,499,000.00 Class M5 Percentage 1.749900% 1.810284% 1.856256% Class M5 Credit Support 4.477600% 4.632108% 4.749741%
Class M6 Principal Balance 16,469,000.00 16,469,000.00 16,469,000.00 Class M6 Percentage 1.646900% 1.703729% 1.746996% Class M6 Credit Support 2.830700% 2.928379% 3.002745%
Class M7 Principal Balance 15,955,000.00 15,955,000.00 15,955,000.00 Class M7 Percentage 1.595500% 1.650556% 1.692472% Class M7 Credit Support 1.235200% 1.277823% 1.310273%
Class M8 Principal Balance 12,352,000.00 12,352,000.00 12,352,000.00 Class M8 Percentage 1.235200% 1.277823% 1.310273% Class M8 Credit Support 0.000000% 0.000000% 0.000000% Credit Enhancement
GROUP 1
Required Overcollateralization Amount 29,336,078.23 3.0180% Prior Overcollateralization Amount 29,336,078.23 2.9454% Overcollateralization Decrease due to 0.00 Realized Losses
Overcollateralization Deficiency Amount 0.00
Excess Spread Available for Overcollateralization 2,165,259.22 Increase Overcollateralization Increase Amount 0.00
Excess Overcollateralization Amount 0.00
Principal Available for Overcollateralization Reduction 23,940,120.84
Overcollateralization Reduction Amount 0.00
Other Information
Rate Cap Contract
Beginning Notional Amount 804,632,012.35
Ending
Notional Amount 799,794,132.78
Amount Paid 254,632.51
Next Amount
to be Paid 372,348.60Deal Performance
Information
Servicer Termination Trigger NoRate Reset Information
Current
Libor 4.037500%
Next Libor 4.193750%
Weighted Average Pass-Through Rate 4.372365%Next Pass-Through Rate Information
IA1 Next Pass-Through Rate 4.438750%
IIA1 Next Pass-Through Rate 4.313750%
IIA2 Next Pass-Through Rate 4.463750%
IIA3 Next Pass-Through Rate 4.583750%
M1 Next Pass-Through Rate 4.663750%
M2 Next Pass-Through Rate 4.683750%
M3 Next Pass-Through Rate 4.703750%
M4 Next Pass-Through Rate 4.793750%
M5 Next Pass-Through Rate 4.833750%
M6 Next Pass-Through Rate 4.883750%
M7 Next Pass-Through Rate 5.363750%
M8 Next Pass-Through Rate 5.543750%
B Next Pass-Through Rate 5.993750%WATERFALL DISTRIBUTION DETAIL
Group 1 Interest Funds 2,857,943.62
Class IA Current & Carryforward
Interest -1,419,505.43
Remaining Group 1
Interest Funds 1,438,438.19Group 2 Interest Funds 2,932,394.97
Class IIA1, IIA2, IIA3 Current & Carryforward
Interest -1,441,508.45
Remaining Group 2
Interest Funds 1,490,886.52Remaining Group 1 & 2 Interest Funds 2,929,324.71
Class M1 Current & Carryforward
Interest -149,824.29
Class M2 Current & Carryforward
Interest -132,430.38
Class M3 Current & Carryforward
Interest -90,692.31
Class M4 Current & Carryforward
Interest -67,823.95
Class M5 Current & Carryforward
Interest -70,483.30
Class M6 Current & Carryforward
Interest -67,043.70
Class M7 Current & Carryforward
Interest -71,545.99
Class M8 Current & Carryforward
Interest -57,303.84
Class B Current & Carryforward
Interest -56,917.73
Remaining Group 1 & 2 Interest Funds to
be distributed as Excess Cashflow 2,165,259.22Group 1 Principal
Funds 13,120,310.88
Overcollateralization Release Amount to be
distributed as Excess Cashflow 0.00
Class IA
Principal -13,120,310.88
Remaining Group 1
Principal Funds 0.00Group 2 Principal
Funds 10,819,809.96
Overcollateralization Release Amount to be
distributed as Excess Cashflow 0.00
Class IIA1
Principal -10,819,809.96
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 Excess Cashflow 0.00Excess Cashflow 2,165,259.22
Class IA Extra Principal Payment Amount to increase
Overcollateralization 0.00
Class IIA Extra Principal Payment Amount to
increase Overcollateralization 0.00
Class N Current & Carryforward Interest and
Principal Payment Amount -2,165,259.22
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 204,841.41
Group 2 Prepayment
Charges 128,328.00
Class N Prepayment Charges and Prepayment Charge
Payment Amounts -333,169.41CONTACT INFORMATION CONTENTS
Distribution Summary 2
Seller / Servicer ECC Capital
Corporation
Distribution Summary
(Factors) 2Irvine, CA 92606
Interest Distribution 2
Depositor Wachovia Mortgage Loan
Trust, LLC
301 South College Street, NC0610
Principal Distribution2
Charlotte, NC 28288Collateral 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. 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
388 Greenwich
Tel: (212) 816-5681 Street, 14th
Floor
Fax: (212) 816-5527 New York, NY
10013Page 1 of 1 Reports Available at (c) Copyright
www.sf.citidirect.com 2005 Citigroup