Encore Credit Receivables Trust 2005-1 – ‘10-K’ for 12/31/05 – EX-31

On:  Monday, 3/27/06, at 2:34pm ET   ·   For:  12/31/05   ·   Accession #:  905148-6-2658   ·   File #:  333-118926-17

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Annual Report   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                         12     32K 
 2: EX-31       Certification per Sarbanes-Oxley Act (Section 302)     1      7K 
 3: EX-99.1     Miscellaneous Exhibit                                  1      6K 
 4: EX-99.2     Miscellaneous Exhibit                                  2     12K 

EX-31   —   Certification per Sarbanes-Oxley Act (Section 302)

Exhibit 31  
----------  

CERTIFICATION 

I, Steve Bailey, certify that:                        

     1. I have reviewed this annual report on Form 10-K, and all
           reports on Form 8-K containing distribution and servicing reports
          filed in respect of periods included in the year covered by this
          annual report, of Encore Credit Receivables Trust 2005-1, Series
2005-1                                                

           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 on my knowledge, the distribution or servicing
          information required to be provided to the trustee by the master
          servicer under the pooling and servicing, or similar, agreement,
      for inclusion in these reports is included in these reports;

           4. I am responsible for reviewing the activities performed by the
      master servicer under the pooling and servicing, or similar,
         agreement and based upon my knowledge and the annual compliance
          review required under that agreement, and except as disclosed in
        the reports, the master servicer has fulfilled its obligations
under that agreement; and                             

          5. The reports disclose all significant deficiencies relating to
     the master 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.

         In giving the certifications above, I have reasonably relied on
           information provided to me by the following unaffiliated parties:
           The Bank of New York, as Trustee and Option One Mortgage Company.

Date: March 27, 2006                                  

                                                /s/ Steve Bailey
                                                        ------------------------
                                            Steve Bailey
                                                        Senior Managing Director

Dates Referenced Herein

This ‘10-K’ Filing		Date		Other Filings
Filed on:		3/27/06		None on these Dates
For Period End:		12/31/05
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