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, 2005
              -----------------------------------------------------

      [ ] Transition Report under Section 13 or 15(d) of the Exchange Act
              For the Transition Period from ________ to _________

                        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.)

           3804 South Highland Drive, Suite 6 Salt Lake City, UT 84106
               ----------------------------------------- --------
               (Address of Principal Executive Offices) (Zip Code)


              -----------------------------------------------------
                            Issuer's Telephone Number

                     801-424-9942 (Phone) 801-365-7231 (FAX)
                    -----------------------------------------
                       Former Address and 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, 55,761,512 shares of
common stock issued and outstanding, par value $0.001 per share as of October
14, 2004.

Traditional Small Business Disclosure Format (check one): Yes [X]     No [ ]
<PAGE>


                              FINITY HOLDINGS, INC.

                                      INDEX
<TABLE>

                                                                                                        Page
                                                                                                        Number
<S>                                                                                                    <C>

PART I - FINANCIAL INFORMATION

         Item 1.Financial Statements

                  Balance Sheet - September 30, 2005 (Unaudited) .....................................      3

                  Statements of Expenses (Unaudited) - For the three months and
                  nine months ended September 30, 2005 and 2004 4

                  Statements of Cash Flows (Unaudited) - For the nine months ended September 30, 2005
                  and 2004............................................................................      5

                  Notes to Financial Statements (Unaudited)...........................................      6

          Item 2.Management's Discussion and Analysis or Plan of Operations ..........................      7

          Item 3.Controls and Procedures..............................................................      9

PART II - OTHER INFORMATION...........................................................................      9

          Item 1. Legal Proceedings...................................................................      9
          Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.........................     10
          Item 3. Defaults Upon Senior Securities.....................................................     10
          Item 4. Submission of Matters to a Vote of Security Holders.................................     10
          Item 5. Other Information...................................................................     10

          Item 6.  Exhibits...........................................................................     10

SIGNATURES............................................................................................     11

Certifications........................................................................................  12-15

</TABLE>



                                       2
<PAGE>


PART I. FINANCIAL INFORMATION


ITEM 1.  FINANCIAL STATEMENTS AND EXHIBITS

Finity Holdings, Inc.
BALANCE SHEET
September 30, 2005
(unaudited)





ASSETS:
  Cash                                                      $       46
                                                            ==========



    LIABILITIES AND STOCKHOLDERS' EQUITY

LIABILITIES                                                 $        -
                                                            ----------

Stockholders' Equity:
  Common stock, $.001 par value,
    100,000,000 shares authorized,
      55,761,512 shares issued and outstanding                  55,761
  Additional paid in capital                                 8,789,484
  Retained deficit                                          (8,845,199)
                                                            ----------

    Total stockholders' equity                                      46
                                                            ----------

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                  $       46
                                                            ==========


                                       3
<PAGE>

Finity Holdings, Inc.
STATEMENTS OF EXPENSES
Three and Nine Months Ended September 30, 2005 and 2004
(unaudited)


<TABLE>



                                      Three months                Nine months
                                        Ended                      Ended
                                      September 30,              September 30,
                               2005          2004            2005           2004
                             ----------     ----------     ----------    ----------
<S>                          <C>            <C>            <C>           <C>

Operating expenses:

General and administrative   $   52,076     $   13,016     $   54,829    $   46,569
                             ----------     ----------     ----------    ----------

Loss from operations            (52,076)       (13,106)       (54,829)      (46,569)
                             ----------     ----------     ----------    ----------
Other income / expense:

Interest expense                      -         (5,109)       (10,410)      (14,485)
                             ----------     ----------     ----------    ----------

Net Loss                     $  (52,076)    $  (18,125)    $  (65,239)   $  (61,054)
                             ==========     ==========     ==========    ==========



Basic and diluted
  net loss per share        $   (0.00)    $    (0.00)     $   (0.00)   $    (0.00)
                             ==========     ==========    ==========     ==========
Weighted average
  shares outstanding         51,735,216     50,878,073     51,735,216    50,878,073
                             ==========     ==========    ==========     ==========
</TABLE>

                                       4
<PAGE>



Finity Holdings, Inc.
STATEMENTS OF CASH FLOWS
For The Nine Months Ended September 30, 2005 and 2004
(unaudited)





                                             2005                  2004
                                            ----------          ----------
Cash Flows from Operating Activities:
  Net loss                                  $  (65,239)         $  (61,054)
  Adjustments to reconcile net loss
    to net cash used in operating
      activities:
      Imputed interest                          10,410              14,485
      Shares issued for services                52,000                   -
                                            ----------          ----------

Net Cash Used In Operating Activities           (2,829)            (46,569)
                                            ----------          ----------

Cash Flow from Financing Activities:
  Proceeds from related party                    2,693              46,509
                                            ----------          ----------

Net change in cash                                (136)                (60)
Cash at beginning of period                        182                 242
                                            ----------          ----------

Cash at end of period                       $       46          $      182
                                            ==========          ==========

Cash paid for:
  Income tax                                $        -          $        -
  Interest                                           -                   -


None Cash Transaction:
  Debt forgiveness from related party       $  264,402                   -


                                       5
<PAGE>



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 fiscal year ended December 2004, as
reported in Form 10-KSB, have been omitted.


NOTE 2 - DEDBT FORGIVENESS FROM A RELATED PARTY

During the three months ended September 30, 2005, Finity recognized $264,402 of
additional paid in capital as a result of the forgiving debt from a related
party.


NOTE 3 - COMMON STOCK

During the three month ended September 30, 2005, Finity cancelled 316,561 shares
previously issued.


                                       6
<PAGE>

ITEM 2.  MANAGEMENT DISCUSSION & ANALYSIS OR PLAN OF OPERATION

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 left us
without any significant operations and or assets since that date. Currently,
Finity Holdings, Inc. is seeking an operating company with which to merge,
subject to other issues being resolved.

We recommend 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 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 3804 South Highland Drive,Suite 6, Salt Lake City, UT
84106.

CURRENT OPERATIONS

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 or expenses during the next twelve months.

THREE  MONTHS  ENDED  SEPTEMBER  30,  2005  COMPARED TO THE THREE  MONTHS  ENDED
SEPTEMBER 30, 2004

REVENUES

For the three months ended September 30, 2005 and 2004 the Company had no
revenue.

GENERAL AND ADMINISTRATIVE EXPENSES

General and administrative expenses totaled $52,076 for the three months ended
September 30, 2005, all for the preparation of SEC reports. This compares with
general and administrative expenses of $13,016 for the corresponding period of
the prior year. All of the expenses for the prior year were also incurred in the
preparation of SEC reports. The decrease in expenses for the current period
resulted from the SEC reports being prepared by a shareholder at no cost to the
Company, other than out of pocket expenses, while the prior year reports were
replaced by third party professionals.

DEBT GORGIVNESS INCOME

During the three months ended September 30, 2005, Finity recognized $264,402 of
additional paid in capital as a result of the forgiving debt from a related
party.

                                       7
<PAGE>

INTEREST EXPENSE

There was no interest expense for the three months ended September 30, 2005
because of the foregiveness of the loan from a shareholder. Interest expenses
for the corresponding period of the prior year totaled $5,109.

As a result of the foregoing, the Company reported loss of $52,076 for the three
months ended September 30, 2005 compared to a loss of $18,185 for the
corresponding period of the prior year.

NINE MONTHS ENDED SEPTEMBER 30, 2005 COMPARED TO NINE MONTHS ENDED SEPTEMBER 30,
2004

REVENUE

For the nine months ended September 30, 2005 and 2004 the Company had no
revenue.

GENERAL AND ADMINSTRATIVE EXPENSES

General and administrative expenses totaled $54,829 for the nine months ended
September 30, 2005, all for the preparation of the SEC and state reports. This
compares with $46,569 for the corresponding period of the prior year. The
expenses for the prior year period were incurred for the preparation of SEC and
state reports and for legal fees in the Gary Jennings case more fully described
in Item 2. Legal Proceedings of Part II, Other Information.

DEBT GORGIVNESS INCOME

During the three months ended September 30, 2005, Finity recognized $264,402 of
additional paid in capital as a result of the forgiving debt from a related
party.

INTEREST EXPENSE

For the nine months ended September 30, 2005, interest expense totaled $10,410.
Interest expense for the corresponding period of the prior year totaled $14,485.
Interest expense decreased for the current nine months because of the
foregiveness of the shareholder note during the current year period.

As a result of the foregoing, the Company reported loss of $65,239 of the nine
months ended September 30, 2005 compared to a loss of $61,054 for the
corresponding period of the prior year.

MATERIAL CHANGES IN FINANCIAL CONDITION, LIQUIDITY AND CAPITAL RESOURCES

As of September 30, 2005, the Company had cash of $46 for working capital. This
compares with cash of $182 for working capital as of December 31, 2004.

For the nine months ended September 30, 2005, the Company had $136 of cash which
was used in its operating activities. This compares with $46,569 of cash used in
operating activities for the corresponding nine months of the prior year. The
decrease in cash used in generating activities resulted from reduced general and
administrative expenses.

For the nine-months ended September 30, 2005, the Company had cash flows from
financing activities of $2,693. This compares with cash flows from financing
activities of $46,509 for the corresponding nine-months of the prior year. All
of the cash flows from financing activities for both periods were from proceeds
from a related party.

                                       8
<PAGE>

There were no investing activities in either period.

Although the Company has no liquidity, it believes that it will find a suitabale
company to acquire or with which to merge. Until such time, the expenses
incurred in keeping the Company current in its SEC filings and state reports
will be paid by the Company's principal shareholder.

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 our disclosure
controls and procedures (as defined in Rule 13a-14 and 15d-14 under the
Securities Exchange Act of 1934)


                           PART II. OTHER INFORMATION

ITEM 1.     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.

                                       9
<PAGE>

At this time there is no pending or active litigation.

ITEM 2.     UNREGISTERED SALE OF EQUITY SECURITIES AND USE OF PROCEEDS

None

ITEM 3.      DEFAULT UPON SENIOR SECURITIES
None

ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
None

ITEM 5.  OTHER INFORMATION

On August 31, 2005, Mr. John Courter resigned as president and director of the
Company. On the same day, Mr. Gregory Boss was appointed President, Secretary
and director of the Company.

On August 31, 2005, the Company changed its address to 3804 South Highland
Drive, Suite 6 Salt Lake City, UT 84106 and its phone number to 801-424-9942.

ITEM 6.  EXHIBITS

(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.

                                       10
<PAGE>


                                   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:  October 31, 2005

                              FINITY HOLDINGS, INC.

                               /S/ GREGORY BOSS
                                  ----------------------------------
                               By: Gregory Boss
                               President and Principal
                               Financial and Accounting Officer


                                       11
<PAGE>


CERTIFICATIONS

I, Gregory Boss, 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. The registrant's other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and we 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.

Dated: October 31, 2005

By: /s/ Gregory Boss
Gregory Boss
President & CEO

                                       12
<PAGE>


I, Gregory Boss, 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. The registrant's other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and we 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.

Dated: October 31, 2005

By: /s/ Gregory Boss
Gregory Boss
Chief Financial Officer


                                       13
<PAGE>

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

--------------------------------------------------------------------------------
I, Gregory Boss, certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that the Quarterly
Report of Finity Holdings, Inc. on Form 10-QSB for the quarterly period ended
September 30, 2005 fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934 and that information contained in
such Form 10-QSB fairly presents in all material respects the financial
condition and results of operations of Finity Holdings, Inc.


By: /s/ Gregory Boss
----------------------------
Name: Gregory Boss
Title: Chief Executive Officer
October 31, 2005


                                       14
<PAGE>


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

--------------------------------------------------------------------------------
I, Gregory Boss, certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that the Quarterly
Report of Finity Holdings, Inc. on Form 10-QSB for the quarterly period ended
September 30, 2005 fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934 and that information contained in
such Form 10-QSB fairly presents in all material respects the financial
condition and results of operations of Finity Holdings, Inc.


By: /s/ Gregory Boss
----------------------------
Name: Gregory Boss
Title: Chief Financial Officer
October 31, 2005

                                       15