UNITED STATES SECURITIES AND EXCHANGE COMMISSION
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): August 22, 2005 HOUSEHOLD MORTGAGE LOAN TRUST 2004-HC1 (Exact name of registrant as specified in its charter) HSBC FINANCE CORPORATION (Master Servicer of the Trust) (Exact name as specified in Master Servicer's charter)
Washington, D.C. 20549
Delaware (State or other jurisdiction of incorporation of Master Servicer)				333-89800-05 (Commission File Number of Registrant)	Not Applicable (IRS Employer Identification Number of Registrant)
FORM 8-K
2700 Sanders Road, Prospect Heights, Illinois (Address of principal executive offices of Master Servicer)						60070 (Zip Code)
CURRENT REPORT
Master Servicer's telephone number, including area code 847/564-5000 Not Applicable (Former name or former address, if changed since last report.)
Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934
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): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Solicitation material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Date of Report (Date of earliest event reported): July 20, 2005
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HOUSEHOLD MORTGAGE LOAN TRUST 2004-HC1
Item 9.01 FINANCIAL STATEMENTS AND EXHIBITS
(Exact name of registrant as specified in its charter)
Exhibit Number		Exhibit
HSBC FINANCE CORPORATION (Master Servicer of the Trust) (Exact name as specified in Master Servicer's charter)
99		Monthly Statement to Noteholders dated August 22, 2005 pursuant to Section 5.03 of the Sale and Servicing Agreement dated as of August 27, 2004, by and among Household Mortgage Funding Corporation III, as Depositor, Household Mortgage Loan Trust 2004-HC1, HSBC Finance Corporation, successor by merger to Household Finance Corporation, as the Master Servicer, and U.S. Bank National Association, as Indenture Trustee and HSBC Bank USA, National Association as Administrator, with respect to the Closed-End Mortgage Loan Asset Backed Notes, Series 2004-HC1.
Delaware (State or other jurisdiction of incorporation of Master Servicer)					333-89800-05 (Commission File Number of Registrant)	Not Applicable (IRS Employer Identification Number of Registrant)
SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Master Servicer has duly caused this report to be signed on behalf of the undersigned hereunto duly authorized.
2700 Sanders Road, Prospect Heights, Illinois (Address of principal executive offices of Master Servicer)							60070 (Zip Code)
	HSBC FINANCE CORPORATION, as Master Servicer of and on behalf of the HOUSEHOLD MORTGAGE LOAN TRUST 2004-HC1 (Registrant) By: /s/ Patrick D. Schwartz Patrick D. Schwartz Authorized Representative
Master Servicer's telephone number, including area code 847/564-5000
Dated: August 22, 2005
Not Applicable
EXHIBIT INDEX
(Former name or former address, if changed since last report.)
Exhibit Number			Exhibit
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): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Solicitation material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
99			Monthly Statement to Noteholders dated August 22, 2005 pursuant to Section 5.03 of the Sale and Servicing Agreement dated as of August 27, 2004, by and among Household Mortgage Funding Corporation III, as Depositor, Household Mortgage Loan Trust 2004-HC1, HSBC Finance Corporation, successor by merger to Household Finance Corporation, as the Master Servicer, and U.S. Bank National Association, as Indenture Trustee and HSBC Bank USA, National Association as Administrator, with respect to the Closed-End Mortgage Loan Asset Backed Notes, Series 2004-HC1.
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Item 9.01 FINANCIAL STATEMENTS AND EXHIBITS
Exhibit Number		Exhibit
99		Monthly Statement to Noteholders dated July 20, 2005 pursuant to Section 5.03 of the Sale and Servicing Agreement dated as of August 27, 2004, by and among Household Mortgage Funding Corporation III, as Depositor, Household Mortgage Loan Trust 2004-HC1, HSBC Finance Corporation, successor by merger to Household Finance Corporation, as the Master Servicer, and U.S. Bank National Association, as Indenture Trustee and HSBC Bank USA, National Association as Administrator, with respect to the Closed-End Mortgage Loan Asset Backed Notes, Series 2004-HC1.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the Master Servicer has duly caused this report to be signed on behalf of the undersigned hereunto duly authorized.
	HSBC FINANCE CORPORATION, as Master Servicer of and on behalf of the HOUSEHOLD MORTGAGE LOAN TRUST 2004-HC1 (Registrant)
	By: /s/ Patrick D. Schwartz Patrick D. Schwartz Authorized Representative
Dated: July 20, 2005
EXHIBIT INDEX
Exhibit Number			Exhibit
99			Monthly Statement to Noteholders dated July 20, 2005 pursuant to Section 5.03 of the Sale and Servicing Agreement dated as of August 27, 2004, by and among Household Mortgage Funding Corporation III, as Depositor, Household Mortgage Loan Trust 2004-HC1, HSBC Finance Corporation, successor by merger to Household Finance Corporation, as the Master Servicer, and U.S. Bank National Association, as Indenture Trustee and HSBC Bank USA, National Association as Administrator, with respect to the Closed-End Mortgage Loan Asset Backed Notes, Series 2004-HC1.
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