U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   Form 10-QSB

        [X] Quarterly Report under Section 13 or 15(d) of the
                                    Securities
                              Exchange Act of 1934

                  For the quarterly period ended September 30, 2004
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     [ ] Transition Report under Section 13 or 15(d)of the Exchange Act
For the Transition Period from ________ to _________
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                        Commission File Number: 000-28445
       ---------------------------------------------------------------


                              Finity Holdings, Inc.
           -----------------------------------------------------------
        (Exact name of small business issuer as specified in its charter)


                   Delaware                                 11-3210792
       -----------------------------                     --------------
        (State or other jurisdiction                    (IRS Employer
      of incorporation or organization)                   Identification
                                                                No.)


                       5155 Financial Way, Mason, OH 41042
               ----------------------------------------- --------
               (Address of Principal Executive Offices) (Zip Code)


                     513-229-6663 (Phone) 513-229-6744 (FAX)
       ----------------------------------------------------------------
                            Issuer's Telephone Number


Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act of 1934 during the past 12
months (or 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.

Yes [X]     No [ ]

     APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY PROCEEDING
DURING THE
                              PRECEDING FIVE YEARS

Check whether the Registrant filed all documents and reports required
to be filed by Section 12, 13 or 15(d) of the Exchange Act after the
distribution of securities under a plan confirmed by a court.

Yes [ ]     No [ ]

                      APPLICABLE ONLY TO CORPORATE ISSUERS

The Registrant has 100,000,000 Common Stock, authorized, 50,823,073
shares of common stock issued and outstanding, par value $0.001 per
share as of September 30, 2004.

Traditional Small Business Disclosure Format (check one):

Yes [X]     No [ ]

                          PART I. FINANCIAL INFORMATION


ITEM 1.  FINANCIAL STATEMENTS AND EXHIBITS

Finity Holdings, Inc.
BALANCE SHEET
September 30, 2004
(unaudited)


    ASSETS

Current Assets
  Cash                                        $      182
                                              ==========

    LIABILITIES AND STOCKHOLDERS' DEFICIT

Loans from stockholders                       $  259,602
                                              ----------
Commitments                                            -

Stockholders' Deficit
  Common stock, $.001 par value,
  100,000,000 shares authorized,
  50,878,073 shares issued and outstanding        50,878
  Additional paid in capital                   8,462,302
  Retained deficit                            (8,772,600)
                                              ----------
          Total stockholders' deficit           (259,420)
                                              ----------
          Total Liabilities and
          Stockholders' Deficit               $      182
                                              ==========





Finity Holdings, Inc.
STATEMENTS OF EXPENSES
Three and Nine Months Ended September 30, 2004 and 2003
(unaudited)


                                   Three Months           Nine Months
                                       Ended                 Ended
                                   September 30,          September 30,
                                 2004       2003        2004       2003
                               ---------  --------    ----------  --------
General and administrative     $  13,016  $ 104,140   $  46,569   $
129,087
                               ---------  --------    ----------  --------
Loss from operations              13,016    104,140      46,569
129,087


Interest expense                   5,109      6,247      14,485
6,247
                               ---------  --------    ----------  --------

NET LOSS                       $ (18,185) $(110,387)  $  (61,054)
$(135,334)
                                =========  ========    ==========
========

Basic and diluted
  net loss per share          $    (0.00) $   (0.00)  $    (0.00) $
(0.00)

Weighted average
  shares outstanding          50,878,073  50,878,073   50,878,073
50,878,073


Finity Holdings, Inc.
STATEMENTS OF CASH FLOWS
For The Nine Months Ended September 30, 2004 and 2003
(unaudited)


                                             2004          2003
                                         -----------   -----------
Cash Flows From Operating Activities
  Net loss                              $   (61,054)   $  (135,334)
  Adjustments to reconcile net loss
  to net cash used in operating
  activities:
       Imputed interest                      14,485          6,247
    Changes in:
       Accounts payable                           -           (600)
                                         ------------   -----------
  Net Cash Used In Operating Activities     (46,569)      (129,687)
                                        ------------   -----------

Cash Flow From Financing Activities
     Proceeds from related party             46,509        125,666
                                         ------------   -----------
   Net change in cash                           (60)        (4,021)

Cash at beginning of period                     242          4,248
                                         ------------   -----------
Cash at end of period                    $      182     $      227
                                          ===========   ===========
Supplemental disclosure:
     Income taxes paid                   $        -     $        -
     Interest paid                                -              -





Finity Holdings, Inc.
NOTES TO FINANCIAL STATEMENTS
(unaudited)


NOTE 1 - SUMMARY OF ACCOUNTING POLICIES

The accompanying unaudited interim financial statements of Finity
Holdings, Inc., a Delaware corporation ("Finity"), have been
prepared in accordance with accounting principles generally
accepted in the United States of America and the rules of the
Securities and Exchange Commission ("SEC"), and should be read in
conjunction with the audited financial statements and notes thereto
contained in Finity's latest Annual Report filed with the SEC on
Form 10-KSB.  In the opinion of management, all adjustments,
consisting of normal recurring adjustments, necessary for a fair
presentation of financial position and the results of operations
for the interim periods presented have been reflected herein.  The
results of operations for interim periods are not necessarily
indicative of the results to be expected for the full year.  Notes
to the financial statements which would substantially duplicate the
disclosure contained in the audited financial statements for the
most recent year, 2004, as reported in Form 10-KSB, have been
omitted.


ITEM 2.  MANAGEMENT DISCUSSION & ANALYSIS

DESCRIPTION OF BUSINESS

We were organized on February 5, 1993 and are currently known as Finity
Holdings Inc. We formerly operated through two wholly-owned
subsidiaries, Finity Corporation, a Texas corporation, and Fi-Scrip,
Incorporated, a Nevada corporation ("Fi-Scrip"). We sold all of our
stock in Finity Corporation and Fi-Scrip effective June 5, 2001. The
sale of these two subsidiaries leaves us without any significant
operations and or assets since that date.

Currently, Finity Holdings has one unpaid business manager, John A.
Courter, who is serving as interim President and member of the board of
directors. We do not expect any change in the number of employees in
the short term. We are seeking an operating company with which to
merge, subject to other issues being resolved.

We strongly suggest that all shareholders and or prospective
shareholders go to www.sec.gov and read all the public records for the
last three years to gain a complete understanding of the complex
changes and continuing evolution of the corporation.

DESCRIPTIONS OF PROPERTIES

We operate no plants or physical locations other than a single
administrative office. The address is 5155 Financial Way, Mason, OH
45040. Email address is jacourter@cngfinancial.com

CURRENT OPERATIONS

We ceased operations on June 5, 2001 and have focused on paying our
debts, managing company business and resolving legal issues.

Our recent operating history offers little or no guidance with respect
to our financial performance in the future. Because we have no
significant operations, we do not expect to have any revenues in the
next twelve months. Nor do we expect to have significant operating
expenses in the next twelve months except for the Jennings
litigation and other legal matters, marketing ads in
the Wall Street Journal and general accounting matters.

There are significant uncertainties that may have a material and or
catastrophic impact upon our liquidity or ability to operate.
Specifically, Messrs. Baetz and Gallant have sought indemnity from us
in connection with their potential liability in the matter discussed in
Item 2 below. If they win any significant indemnity claim, we would
become insolvent. If we become insolvent, we would likely be forced to
dissolve and cease our remaining operations.

ITEM 3.  CONTROLS AND PROCEDURES

Because we have ceased operations, we do not have, and have not
evaluated within 90 days of the filing of this report, disclosure
controls and procedures.


                           PART II. OTHER INFORMATION

ITEM 1.    CORPORATE GOVERNANCE

The Company removed Gary K. Jennings as Interim President and Director
on August 27, 2002. The Company named John A. Courter as the new
Director and Interim President.

The Company has moved its principal Offices from 511 F. Street, #504,
San Diego, Ca to 5155 Financial Way, Mason, OH 45040 effective August
27, 2002.


ITEM 2.     LEGAL PROCEEDINGS

Eric Grant and Richard Plestina v. Douglas R. Baetz, et al., Case No.'s 01
CV 1527 (BEN) and 01 CV 2024 J 9BEN), U.S. District Court, Southern
District of California. As expected, the Court issued its final approval
of the class action settlement on September 30, 2002. There were no
objections to the settlement and no potential class members have opted out
of the settlement. Douglas R. Baetz and Glenn M. Gallant have not settled
and remain defendants in the action.

Finity Holdings, Inc. v. Gary K. Jennings, Case No. G/C 795939, California
Superior Court, San Diego.

On September 30, 2003 Jennings filed an amended Cross-Complaint against
the Company alleging wrongful termination, breach of contract and breach
of the covenant of good faith and fair dealing.  In response, the Company
filed a motion to delay the proceedings until the Department of Labor
issued its ruling in the case Finity Holdings, Inc. and Gary Jennings,
U.S. Department of Labor, Case No. 1085125 and a notice of demurrer as to
Jennings' Cross-Complaint against the Company.

On December 12, 2003 Jennings filed a statement of non-opposition to the
demurrer and the motion to stay.  The court granted the Company's motion
to stay and sustained the Company's demurrers with leave for Jennings to
amend his Cross-Complaint.  Jennings filed an amended cross-complaint
against the Company on February 6, 2004 re-alleging claims for wrongful
termination and breach of contract.

On or about May 14, 2004 The Company filed a motion to compel discovery,
to have certain matters deemed admitted and a request for sanctions.  The
Court granted the Company's motion on June 17, 2004.  The Company's Second
Requests for Admission to Jennings were deemed admitted and Jennings was
ordered to pay sanctions in the amount of $1,400.00.  A trial date was set
for October 8, 2004.

As a result of these court rulings the parties entered into serious
settlement negotiations. The parties settled this action on July 27, 2004.
The specific terms of the settlement are confidential.

Finity Holdings, Inc. and Gary Jennings, U.S. Department of Labor, Case
No.1085125.  On May 27, 2004 the Department of Labor completed its
investigation and rendered its decision.  Jennings' complaints were found
to be without merit and his Complaint was dismissed.  Jennings never
appealed the decision.

At this time there is no pending or active litigation.

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8K

(a)  EXHIBITS

Exhibit 99.1. Certification of Chief Executive Officer pursuant to Section
906 of the Sarbanes-Oxley Act of 2002.

Exhibit 99.2. Certification of Chief Financial Officer pursuant to Section
906 of the Sarbanes-Oxley Act of 2002.


(b) Reports on Form 8-K - There were no reports filed on Form 8-K for
the three months ended September 30, 2004.


                                   SIGNATURES

In accordance with Section 13 or 15(d) of the Exchange Act, the
Registrant caused this report to be signed on its behalf by the
undersigned.

Date:  July 30, 2005

                              FINITY HOLDINGS, INC.

                               /S/ JOHN A. COURTER
                       ----------------------------------
                             By: John A. Courter
            President and Principal Financial and Accounting Officer




INDEX TO EXHIBITS

Exhibit
Number                          Description
Located at
-----------------------------------------------------------------------

Exhibit 99.1. Certification of Chief Executive Officer pursuant to Section
906 of the Sarbanes-Oxley Act of 2002.

Exhibit 99.2. Certification of Chief Financial Officer pursuant to Section
906 of the Sarbanes-Oxley Act of 2002.



CERTIFICATION

I, John Courter, certify that:

1. I have reviewed this quarterly report on Form 10-QSB of Finity
Holdings, Inc.;

2. Based on my knowledge, this quarterly 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 quarterly report;

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

4. I am responsible for establishing and maintaining disclosure controls
and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for
the registrant and I have:

a) designed such disclosure controls and procedures to ensure that
material information relating to the registrant, including its
consolidated subsidiaries, is made known to us by others within those
entities, particularly during the period in which this quarterly report is
being prepared;

b) evaluated the effectiveness of the registrant's disclosure controls and
procedures as of a date within 90 days prior to the filing date of this
quarterly report (the "Evaluation Date"); and

c) presented in this quarterly report our conclusions about the
effectiveness of the disclosure controls and procedures based on our
evaluation as of the Evaluation Date;

5. The registrant's other certifying officers and I have disclosed, based
on our most recent evaluation, to the registrant's auditors and the audit
committee of registrant's board of directors (or persons performing the
equivalent function):

a) all significant deficiencies in the design or operation of internal
controls which could adversely affect the registrant's ability to record,
process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and

b) any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrant's internal
controls; and

6. The registrant's other certifying officers and I have indicated in this
quarterly report whether or not there were significant changes in internal
controls or in other factors that could significantly affect internal
controls subsequent to the date of our most recent evaluation, including
any corrective actions with regard to significant deficiencies and
material weaknesses.

Date: July 30, 2005

By /s/ John Courter
____________________________
John Courter
President & CEO

CERTIFICATION

I, John Courter, certify that:

1. I have reviewed this quarterly report on Form 10-QSB of Finity
Holdings, Inc.;

2. Based on my knowledge, this quarterly 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 quarterly report;

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

4. I am responsible for establishing and maintaining disclosure controls
and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for
the registrant and I have:

a) designed such disclosure controls and procedures to ensure that
material information relating to the registrant, including its
consolidated subsidiaries, is made known to us by others within those
entities, particularly during the period in which this quarterly report is
being prepared;

b) evaluated the effectiveness of the registrant's disclosure controls and
procedures as of a date within 90 days prior to the filing date of this
quarterly report (the "Evaluation Date"); and

c) presented in this quarterly report our conclusions about the
effectiveness of the disclosure controls and procedures based on our
evaluation as of the Evaluation Date;

5. The registrant's other certifying officers and I have disclosed, based
on our most recent evaluation, to the registrant's auditors and the audit
committee of registrant's board of directors (or persons performing the
equivalent function):

a) all significant deficiencies in the design or operation of internal
controls which could adversely affect the registrant's ability to record,
process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and

b) any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrant's internal
controls; and

6. The registrant's other certifying officers and I have indicated in this
quarterly report whether or not there were significant changes in internal
controls or in other factors that could significantly affect internal
controls subsequent to the date of our most recent evaluation, including
any corrective actions with regard to significant deficiencies and
material weaknesses.

Date: July 30, 2005

By: /s/ John Courter
____________________________
John Courter
Chief Financial Officer

=========================================================================

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Finity Holdings, Inc. (the
"Company") on Form 10-Q for the period ended November 30, 2004, as filed
with the Securities Exchange Commission on date hereof (the "Report"), I,
John Courter, the Chief Executive Officer of the Company, certify,
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the
best of my knowledge:

1. the Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

2. the information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of
the Company.

Date: July 30, 2005

By /s/ John Courter
____________________________
John Courter
President & CEO

=========================================================================

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Finity Holdings, Inc. (the
"Company") on Form 10-Q for the period ended November 30, 2004, as filed
with the Securities Exchange Commission on date hereof (the "Report"), I,
John Courter, the Chief Financial Officer of the Company, certify,
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the
best of my knowledge:

1. the Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

2. the information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of
the Company.

Date: July 30, 2005

By: /s/ John Courter
____________________________
John Courter
Chief Financial Officer