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
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Troy Gotschall
President

Date 3/22/06
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