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
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Name: Tommy Harris
Title: Master Servicing Division
       Senior Vice President