~~UNITED STATES~~ SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 17, 2006

CITIGROUP MORTGAGE LOAN TRUST INC.

(as depositor under the Pooling and Servicing Agreement,

dated as of January 1, 2006, providing for the issuance of

Asset-Backed Pass-Through Certificates, Series 2006-WMC1)

Citigroup Mortgage Loan Trust Inc.

Asset-Backed Pass-Through Certificates, Series 2006-WMC1)

CITIGROUP MORTGAGE LOAN TRUST INC.

(Exact name of registrant as specified in its charter)

Delaware	333-127834-08	01-0791848
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)
(State or Other Jurisdiction of Incorporation	(Commission File Number)	(I.R.S. Employer Identification Number)
390 Greenwich Street New York, New York		10013
390 Greenwich Street, 4th Floor New York, New York (Address of Principal Executive Offices)		10013 (Zip Code)
(Address of Principal Executive Offices)		(Zip Code)

Registrant's telephone number, including area code: (212) 816-6000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b))

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

~~SECTION~~Section 69 ~~– ASSET~~-~~BACKED~~ ~~SECURITIES~~Financial Statements and Exhibits

Item 69.01. ~~ABS~~Financial ~~Informational~~Statements and ~~Computational Material~~Exhibits

~~ABS~~(a) ~~informational~~Financial ~~and~~Statements. ~~computational~~Not ~~material~~applicable. ~~consisting~~(b) ofPro ~~static~~Forma ~~pool~~Financial ~~information~~Information. ~~for~~Not ~~the~~applicable. ~~depositor~~(c) ~~and/or sponsor is provided on the following exhibits attached to this Form 8-K:~~Exhibits.

Exhibit No.	~~Description~~Item 601(a) of Regulation S-K Exhibit No.	Description
99.1	Program: Citigroup Global Markets Realty Corp. as sponsor of prior securitized pools of sub-prime residential mortgage loans for which Citigroup Mortgage Loan Trust Inc. acted as depositor in a registered transaction. Original Characteristics of Prior Securitized Pools of Sub-Prime Loans (All Liens)
1	5.1, 8.1, 23.1	Opinion and Consent of Thacher Proffitt & Wood LLP.
99.2	Program: Citigroup Global Markets Realty Corp. as sponsor of prior securitized pools of sub-prime residential mortgage loans for which Citigroup Mortgage Loan Trust Inc. acted as depositor in a registered transaction. Original Characteristics of Prior Securitized Pools of Sub-Prime Loans (All Liens)
99.3	Program: Citigroup Global Markets Realty Corp. as sponsor of prior securitized pools of sub-prime residential mortgage loans for which Citigroup Mortgage Loan Trust Inc. acted as depositor in a registered transaction. Original Characteristics of Prior Securitized Pools of Sub-Prime Loans (All Liens)

99.4 Program: Citigroup Global Markets Realty Corp. as sponsor of prior securitized pools of sub-prime residential mortgage loans for which Citigroup Mortgage Loan Trust Inc. acted as depositor in a registered transaction. Original Characteristics of Prior Securitized Pools of Sub-Prime Loans (All Liens)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Dated:

January 17, 2006

CITIGROUP MORTGAGE LOAN TRUST INC.

By:

/s/ Matthew R. Bollo

Name:

Matthew R. Bollo

Title:

Asst. Vice President

Dated: January 31, 2006

~~Index~~CITIGROUP toMORTGAGE ~~Exhibits~~LOAN TRUST INC. By: /s/ Matthew R. Bollo Name: Matthew R. Bollo Title: Asst. Vice President

Exhibit No.	Description
99.1	Program: Citigroup Global Markets Realty Corp. as sponsor of prior securitized pools of sub-prime residential mortgage loans for which Citigroup Mortgage Loan Trust Inc. acted as depositor in a registered transaction. Original Characteristics of Prior Securitized Pools of Sub-Prime Loans (All Liens)
99.2	Program: Citigroup Global Markets Realty Corp. as sponsor of prior securitized pools of sub-prime residential mortgage loans for which Citigroup Mortgage Loan Trust Inc. acted as depositor in a registered transaction. Original Characteristics of Prior Securitized Pools of Sub-Prime Loans (All Liens)
99.3	Program: Citigroup Global Markets Realty Corp. as sponsor of prior securitized pools of sub-prime residential mortgage loans for which Citigroup Mortgage Loan Trust Inc. acted as depositor in a registered transaction. Original Characteristics of Prior Securitized Pools of Sub-Prime Loans (All Liens)
99.4	Program: Citigroup Global Markets Realty Corp. as sponsor of prior securitized pools of sub-prime residential mortgage loans for which Citigroup Mortgage Loan Trust Inc. acted as depositor in a registered transaction. Original Characteristics of Prior Securitized Pools of Sub-Prime Loans (All Liens)

EXHIBIT INDEX

Exhibit Number	Item 601(a) of Regulation S-K Exhibit No.	Description
1	5.1, 8.1, 23.1	Opinion and Consent of Counsel

EXHIBIT 5.1, 8.1, 23.1

Filing Compare · CITIGROUP MORTGAGE LOAN TRUST INC., ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2006-WMC1