EXHIBIT 31.2

                  CERTIFICATION OF THE CHIEF FINANCIAL OFFICER

I, Lawrence Fensterstock, certify that:

      1.    I  have   reviewed   this   annual   report   on  Form   10-KSB   of
            CreditRiskMonitor.com, Inc.;

      2.    Based on my  knowledge,  this  report  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 with respect
            to the period covered by this report;

      3.    Based on my knowledge, the financial statements, and other financial
            information included in this report,  fairly present in all material
            respects the financial  condition,  results of  operations  and cash
            flows of the small  business  issuer  as of,  and for,  the  periods
            presented in this report;

      4.    The small  business  issuer's  other  certifying  officer  and I are
            responsible for establishing and maintaining disclosure controls and
            procedures   (as  defined  in  Exchange  Act  Rules   13a-15(e)  and
            15d-15(e))  [***Omitted  pursuant to extended compliance period] for
            the small business issuer and have:

                  a)    Designed such  disclosure  controls and  procedures,  or
                        caused such  disclosure  controls and  procedures  to be
                        designed under our supervision,  to ensure that material
                        information  relating  to  the  small  business  issuer,
                        including its consolidated  subsidiaries,  is made known
                        to us by  others  within  those  entities,  particularly
                        during  the  period  in  which  this   report  is  being
                        prepared;

                  b)    [***Omitted pursuant to extended compliance period];

                  c)    Evaluated  the   effectiveness  of  the  small  business
                        issuer's   disclosure   controls  and   procedures   and
                        presented  in this  report  our  conclusions  about  the
                        effectiveness of the disclosure controls and procedures,
                        as of the end of the period covered by this report based
                        on such evaluation; and

                  d)    Disclosed  in  this  report  any  change  in  the  small
                        business   issuer's  internal  controls  over  financial
                        reporting  that  occurred   during  the  small  business
                        issuer's most recent fiscal  quarter (the small business
                        issuer's  fourth fiscal quarter in the case of an annual
                        report) that has materially  affected,  or is reasonably
                        likely to materially affect, the small business issuer's
                        internal control over financial reporting; and

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      5.    The small  business  issuer's  other  certifying  officer and I have
            disclosed,  based on our most recent  evaluation of internal control
            over financial  reporting,  to the small business  issuer's auditors
            and the audit  committee  of the small  business  issuer's  board of
            directors (or persons performing the equivalent function):

                 a)     All significant  deficiencies and material weaknesses in
                        the  design  or  operation  of  internal   control  over
                        financial  reporting  which  are  reasonably  likely  to
                        adversely affect the small business  issuer's ability to
                        record,   process,   summarize   and  report   financial
                        information; and

                 b)     Any  fraud,  whether  or  not  material,  that  involves
                        management  or other  employees  who have a  significant
                        role in the small business  issuer's  internal  controls
                        over financial reporting.

Date: March 31, 2006                By: /s/ Lawrence Fensterstock
                                            Lawrence Fensterstock
                                            Chief Financial Officer