UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-K

(Mark One)

     [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
     EXCHANGE ACT OF 1934

     For the fiscal year ended: December 31, 2004
                                -----------------

                                       or

     [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
     EXCHANGE ACT OF 1934

     For the transition period from ------------- to -------------

                      Commission file number: 333-109272-16


              CWABS, Inc., Asset-Backed Certificates Trust 2004-6,
                    Asset-Backed Certificates, Series 2004-6
                    ----------------------------------------
             (Exact name of Registrant as specified in its charter)


              Delaware                                95-4596514
------------------------------------      -------------------------------------
(State or other jurisdiction of            (I.R.S. Employer Identification No.)
incorporation or organization)

c/o   Countrywide Home Loans Servicing LP
      4500 Park Granada
      Calabasas, California                             91302
----------------------------------------- -------------------------------------
(Address of principal executive offices)              (Zip Code)

Registrant's telephone number, including area code:   (818) 225-3000
                                                      --------------

Securities registered pursuant to Section 12(b) of the Act:  None
                                                             ----

Securities registered pursuant to Section 12(g) of the Act:  None
                                                             ----

<PAGE>


     Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. [X] Yes [ ] No

     Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K (ss.229.405 of this chapter) is not contained herein, and
will not be contained, to the best of registrant's knowledge, in definitive
proxy or information statements incorporated by reference in Part III of this
Form 10-K or any amendment to this Form 10-K. [X]

     Indicate by check mark whether the registrant is an accelerated filer (as
defined in Rule 12b-2 of the Act). [ ] Yes [X] No

     State the aggregate market value of the voting and non-voting common equity
held by non-affiliates computed by reference to the price at which the common
equity was last sold, or the average bid and asked price of such common equity,
as of the last business day of the registrant's most recently completed second
fiscal quarter. Not applicable

                                       2

<PAGE>


                       DOCUMENTS INCORPORATED BY REFERENCE

                                      None.

                               *       *      *


     This Annual Report on Form 10-K (the "Report") is filed with respect to the
trust fund entitled CWABS, Inc., Asset-Backed Certificates Trust 2004-6 (the
"Trust Fund") formed pursuant to the pooling and servicing agreement dated as of
June 1, 2004 (the "Pooling and Servicing Agreement") among CWABS, Inc., as
depositor (the "Company"), Countrywide Home Loans, Inc., as a seller (a
"Seller"), Countrywide LFT LLC, as a seller (a "Seller"), Countrywide Home Loans
Servicing LP, as master servicer (the "Master Servicer"), The Bank of New York,
as trustee (the "Trustee") and BNY Western Trust Company, as co-trustee (the
"Co-Trustee"), for the issuance of CWABS, Inc., Asset-Backed Certificates,
Series 2004-6 (the "Certificates"). Certain information otherwise required to be
included in this Report by the Instructions to Form 10-K has been omitted in
reliance on the relief granted by the Commission to other companies in similar
circumstances, in particular, the relief granted to the Company in CWMBS, Inc.
(February 3, 1994) (collectively, the "Relief Letters").


                                       3

<PAGE>


                                     PART I


Item 1.   Business.

          Not applicable.  See the Relief Letters.

Item 2.   Properties.

          Not applicable.  See the Relief Letters.

Item 3.   Legal Proceedings.

          There were no material pending legal proceedings relating to the Trust
          Fund to which any of the Trust Fund, the Trustee, the Co-Trustee,  the
          Master  Servicer  or the  Company was a party or of which any of their
          respective  properties  was the subject during the fiscal year covered
          by this Report other than ordinary  routine  litigation  incidental to
          the duties of the Trust Fund, the Trustee, the Co-Trustee,  the Master
          Servicer  or the  Company,  nor  is  the  Company  aware  of any  such
          proceedings contemplated by governmental authorities.

Item 4.   Submission of Matters to a Vote of Security Holders.

          No  matter  was  submitted  to a vote  of  Certificateholders,  and no
          Certificateholder consent was solicited during the fiscal year covered
          by this Report.

                                       4

<PAGE>


                                     PART II


Item 5.   Market for Registrant's Common Equity, Related Stockholder Matters and
          Issuer Purchases of Equity Securities.

          (a)  Item 201 of Regulation S-K:

               i.   Market Information. There is no established public trading
                    market for the Certificates.

               ii.  Holders. As of December 31, 2004 there were less than 300
                    holders of record of the Certificate

               iii. Dividends. Not applicable. See the Relief Letters.
                    (Information as to distributions to Certificateholders is
                    provided in the Registrant's monthly filings on Form 8-K.)

               iv.  Securities Authorized for Issuance Under Equity Compensation
                    Plans. Not applicable.

                           Item 701 of Regulation S-K.  Not applicable.
                           --------------------------

          (b)  Rule 463 of the Securities Act of 1933. Not applicable.

          (c)  Item 703 of Regulation S-K. Not applicable as the Registrant has
               no class of equity securities registered pursuant to section 12
               of the Securities Exchange Act of 1934.

Item 6.   Selected Financial Data.

          Not applicable.  See the Relief Letters.

Item 7.   Management's Discussion and Analysis of Financial Condition and
          Results of Operation.

          Not applicable.  See the Relief Letters.

Item 7A   Quantitative and Qualitative Disclosures about Market Risk.

          Not applicable.

Item 8.   Financial Statements and Supplementary Data.

          Not applicable.  See the Relief Letters.


                                            5


Item 9.   Changes in a nd Disagreements With Accountants on Accounting and
          Financial Disclosure.

          None.

Item 9A.  Controls and Procedures.

          Not applicable. The Registrant is an Asset-Backed Issuer (as defined
          in Exchange Act Rule 15d-14(g)) and is therefore not required to
          disclose information under Item 307 of Regulation S-K. See Item 307 of
          Regulation S-K and Exchange Act Rule 15d-15(a). The Registrant is an
          Asset-Backed Issuer (as defined in Exchange Act Rule 15d-14(g)) and is
          therefore not required to disclose information under Item 308 of
          Regulation S-K. See Instruction 2 to Item 308 of Regulation S-K and
          Exchange Act Rule 15d-15(a).


Item 9B.  Other Information.

          None.

                                       6

<PAGE>


                                    PART III


Item 10.  Directors and Executive Officers of the Registrant.

          Not applicable.  See the Relief Letters.

Item 11.  Not applicable.  See the Executive Compensation.

Item 12.  Security Ownership of Certain Beneficial Owners and Management.

          Information required by Item 201(d) of Regulation S-K: Not applicable.

          Information required by Item 403 of Regulation S-K:

          (a)  Not applicable. See the Relief Letters.

          (b) Not applicable. See the Relief Letters.

          (c) Not applicable. See the Relief Letters.

Item 13.  Certain Relationships and Related Transactions.

          Not applicable.  See the Relief Letters.

Item 14.  Principal Accounting Fees and Services.

          Not applicable. The Registrant is an Asset-Backed Issuer (as defined
          in Exchange Act Rule 15d-14(g)) and is therefore not required to
          disclose this information. See Instructions to Item 14.


                                       7

<PAGE>


                                     PART IV


Item 15.  Exhibits and Financial Statement Schedules.

          (a)  (1)  Pursuant to the Pooling and Servicing Agreement, the Master
                    Servicer is required (i) to deliver an annual statement as
                    to compliance with the provisions of the Pooling and
                    Servicing Agreement and certain other matters (the "Annual
                    Statement of the Master Servicer") and (ii) to cause a firm
                    of independent public accountants to deliver an annual
                    report as to compliance with the servicing provisions of the
                    Pooling and Servicing Agreement (the "Annual Report of the
                    Firm of Accountants"). The Annual Statement of the Master
                    Servicer is attached as Exhibit 99.1 to this Report. The
                    Annual Report of the Firm of Accountants is attached as
                    Exhibit 99.2 to this Report. See Relief Letters.

               (2)  Not applicable.

               (3)  The required exhibits are as follows:

                    o    Exhibit 3(i): Copy of Company's Certificate of
                         Incorporation (Filed as an Exhibit to Registration
                         Statement on Form S-3 (File No. 33-11095)).

                    o    Exhibit 3(ii): Copy of Company's By-laws (Filed as an
                         Exhibit to Registration Statement on Form S-3 (File No.
                         33-11095)).

                    o    Exhibit 4: Pooling and Servicing Agreement (Filed as
                         part of the Registrant's Current Report on Form 8-K
                         filed on September 15, 2004).

                    o    Exhibit 31: Rule 15d-14(a) Certification.

                    o    Exhibit 99.1: Annual Statement of the Master Servicer.

                    o    Exhibit 99.2: Annual Report of the Firm of Accountants.

          (b)  See subparagraph (a)(3) above.

          (c)  Not applicable. See the Relief Letters.


                                       8


<PAGE>


                                   SIGNATURES

       Pursuant to the requirements of Section 13 or 15(d) 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.

                                     CWABS, INC.,
                                     ASSET-BACKED CERTIFICATES TRUST 2004-6,
                                     ASSET-BACKED CERTIFICATES, SERIES 2004-6

                                     By:  Countrywide Home Loans Servicing LP,
                                          as Master Servicer*

                                     By:  Countrywide GP, Inc.


                                     By:  /s/ Joseph M. Candelario
                                          ---------------------------
                                          Name:  Joseph M. Candelario
                                          Title: First Vice President

                                     Date:  March 30, 2005









--------

*    This Report is being filed by the Master Servicer on behalf of the Trust
     Fund. The Trust Fund does not have any officers or directors.



                                       9

<PAGE>

     SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO
SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES
PURSUANT TO SECTION 12 OF THE ACT.

     No such annual report, proxy statement, form of proxy or other soliciting
material has been, or will be, sent to Certificateholders. See the Relief
Letters.


                                       10

<PAGE>


                                  EXHIBIT INDEX



Exhibit        Document
-------        --------

3(i)           Company's Certificate of Incorporation (Filed as an Exhibit to
               Registration Statement on Form S-3 (File No. 33-11095))*

3(ii)          Company's By-laws (Filed as an Exhibit to Registration Statement
               on Form S-3 (File No. 33-11095))*

4              Pooling and Servicing Agreement (Filed as part of the Company's
               Current Report on Form 8-K filed on September 15, 2004)*

31             Rule 15d-14(a) Certification

99.1           Annual Statement of the Master Servicer

99.2           Annual Report of the Firm of Accountants













-----------

*      Incorporated herein by reference.