----

----

| Nevada                                                                    |   | 36-2972588                           |
|---------------------------------------------------------------------------|--------|--------------------------------------|
| (State or other jurisdiction of  incorporation or organization) |   | (I.R.S. Employer Identification No.) |

|     704 Executive Boulevard, Suite AValley Cottage, New York                                              |   | 10989      |
|------------------------------------------------------------------------------------------------------------------------------------|--------|------------|
| (Address of principal executive offices)                |   | (Zip Code) |

|  Large accelerated filer o |   | Accelerated filero          |   |
|---------------------------------|--------|-----------------------------|--------|
|  Non-accelerated filer o   |   | Smaller reporting company x |   |

----

----

----

INDEX

|                                                                                                | Page   |   |
|-----------------------------------------------------------------------------------------------------|--------|--------|
|                                                                                                |   |   |
| PART I. FINANCIAL INFORMATION                                                                       |   |   |
|                                                                                                |   |   |
| Item 1. Financial Statements                                                                        |   |   |
|                                                                                                |   |   |
| Balance Sheets – June 30, 2010 (Unaudited) and December 31, 2009                              | 2      |   |
|                                                                                                |   |   |
| Statements of Income for the Three Months Ended June 30, 2010 and 2009 (Unaudited)                  | 3      |   |
|                                                                                                |   |   |
| Statements of Income for the Six Months Ended June 30, 2010 and 2009 (Unaudited)                    | 4      |   |
|                                                                                                |   |   |
| Statements of Cash Flows for the Six Months Ended June 30, 2010 and 2009 (Unaudited)                | 5      |   |
|                                                                                                |   |   |
| Condensed Notes to Financial Statements                                                             | 6      |   |
|                                                                                                |   |   |
| Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations | 9      |   |
|                                                                                                |   |   |
| Item 4T. Controls and Procedures                                                                    | 14     |   |
|                                                                                                |   |   |
| PART II. OTHER INFORMATION                                                                          |   |   |
|                                                                                                |   |   |
| Item 6. Exhibits                                                                                    | 14     |   |
|                                                                                                |   |   |
| SIGNATURES                                                                                          | 15     |   |

----

Index

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

CREDITRISKMONITOR.COM, INC.

|                                                                                                                            |   | June 30,    |        |   | Dec. 31, |   |
|---------------------------------------------------------------------------------------------------------------------------------|--------|-------------|-------------|--------|----------|--------|
|                                                                                                                            |   | 2010        |        |   | 2009     |   |
|                                                                                                                            |   | (Unaudited) |        |   | (Note 1) |   |
|                                                                                                                            |   |        |        |   |     |   |
| ASSETS                                                                                                                          |   |        |        |   |     |   |
| Current assets:                                                                                                                 |   |        |        |   |     |   |
| Cash and cash equivalents                                                                                                       |   | $           | 4,822,427   |   |     | $      | 4,679,466 |   |
| Marketable securities                                                                                                           |   |        | 1,220,931   |   |     |   | -- |   |
| Accounts receivable, net of allowance                                                                                           |   |        | 1,229,719   |   |     |   | 1,370,523 |   |
| Other current assets                                                                                                            |   |        | 105,166     |   |     |   | 253,857 |   |
|                                                                                                                            |   |        |        |   |     |   |   |   |
| Total current assets                                                                                                            |   |        | 7,378,243   |   |     |   | 6,303,846 |   |
|                                                                                                                            |   |        |        |   |     |   |   |   |
| Property and equipment, net                                                                                                     |   |        | 295,019     |   |     |   | 261,591 |   |
| Goodwill                                                                                                                        |   |        | 1,954,460   |   |     |   | 1,954,460 |   |
| Deferred taxes on income                                                                                                        |   |        | 641,651     |   |     |   | 913,503 |   |
| Prepaid and other assets                                                                                                        |   |        | 37,914      |   |     |   | 23,116 |   |
|                                                                                                                            |   |        |        |   |     |   |   |   |
| Total assets                                                                                                                    |   | $           | 10,307,287  |   |     | $      | 9,456,516 |   |
|                                                                                                                            |   |        |        |   |     |   |   |   |
|                                                                                                                            |   |        |        |   |     |   |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                      |   |        |        |   |     |   |   |   |
| Current liabilities:                                                                                                            |   |        |        |   |     |   |   |   |
| Deferred revenue                                                                                                                |   | $           | 5,898,206   |   |     | $      | 5,321,116 |   |
| Accounts payable                                                                                                                |   |        | 48,216      |   |     |   | 42,614 |   |
| Accrued expenses                                                                                                                |   |        | 488,337     |   |     |   | 698,832 |   |
|                                                                                                                            |   |        |        |   |     |   |   |   |
| Total current liabilities                                                                                                       |   |        | 6,434,759   |   |     |   | 6,062,562 |   |
|                                                                                                                            |   |        |        |   |     |   |   |   |
| Stockholders’ equity:                                                                                                     |   |        |        |   |     |   |   |   |
| Preferred stock, $.01 par value; authorized 5,000,000 shares; none issued                                                       |   |        | --          |   |     |   | -- |   |
| Common stock, $.01 par value; authorized 25,000,000 shares; issued and outstanding 7,899,462 and 7,849,462 shares, respectively |   |        | 78,994      |   |     |   | 78,494 |   |
| Additional paid-in capital                                                                                                      |   |        | 28,408,274  |   |     |   | 28,333,094 |   |
| Accumulated deficit                                                                                                             |   |        | (24,614,740 | )      |     |   | (25,017,634 | ) |
|                                                                                                                            |   |        |        |   |     |   |   |   |
| Total stockholders’ equity                                                                                                |   |        | 3,872,528   |   |     |   | 3,393,954 |   |
|                                                                                                                            |   |        |        |   |     |   |   |   |
| Total liabilities and stockholders’ equity                                                                                |   | $           | 10,307,287  |   |     | $      | 9,456,516 |   |

----

Index

CREDITRISKMONITOR.COM, INC.

|                                         |   | 2010   |      |   | 2009   |   |
|----------------------------------------------|--------|--------|-----------|--------|--------|--------|
|                                         |   |   |      |   |   |   |
| Operating revenues                           |   | $      | 2,304,873 |   |   | $      | 1,922,437 |   |
|                                         |   |   |      |   |   |   |   |   |
| Operating expenses:                          |   |   |      |   |   |   |   |   |
| Data and product costs                       |   |   | 573,274   |   |   |   | 565,056 |   |
| Selling, general and administrative expenses |   |   | 1,347,086 |   |   |   | 1,304,604 |   |
| Depreciation and amortization                |   |   | 31,548    |   |   |   | 25,337 |   |
|                                         |   |   |      |   |   |   |   |   |
| Total operating expenses                     |   |   | 1,951,908 |   |   |   | 1,894,997 |   |
|                                         |   |   |      |   |   |   |   |   |
| Income from operations                       |   |   | 352,965   |   |   |   | 27,440 |   |
| Other income (expense), net                  |   |   | 13,864    |   |   |   | (12,206 | ) |
|                                         |   |   |      |   |   |   |   |   |
| Income before income taxes                   |   |   | 366,829   |   |   |   | 15,234 |   |
| Provision for income taxes                   |   |   | 147,411   |   |   |   | 1,030 |   |
|                                         |   |   |      |   |   |   |   |   |
| Net income                                   |   | $      | 219,418   |   |   | $      | 14,204 |   |
|                                         |   |   |      |   |   |   |   |   |
| Net income per share of common stock:        |   |   |      |   |   |   |   |   |
|                                         |   |   |      |   |   |   |   |   |
| Basic                                        |   | $      | 0.03      |   |   | $      | 0.00 |   |
| Diluted                                      |   | $      | 0.03      |   |   | $      | 0.00 |   |
|                                         |   |   |      |   |   |   |   |   |
| Weighted average number of common shares     |   |   |      |   |   |   |   |   |
| outstanding:                                 |   |   |      |   |   |   |   |   |
|                                         |   |   |      |   |   |   |   |   |
| Basic                                        |   |   | 7,899,462 |   |   |   | 7,849,462 |   |
| Diluted                                      |   |   | 8,285,502 |   |   |   | 8,089,622 |   |

----

Index

CREDITRISKMONITOR.COM, INC.

|                                                  |   | 2010   |      |   | 2009   |   |
|-------------------------------------------------------|--------|--------|-----------|--------|--------|--------|
|                                                  |   |   |      |   |   |   |
| Operating revenues                                    |   | $      | 4,516,575 |   |   | $      | 3,665,563 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Operating expenses:                                   |   |   |      |   |   |   |   |   |
| Data and product costs                                |   |   | 1,171,041 |   |   |   | 1,065,498 |   |
| Selling, general and administrative expenses          |   |   | 2,621,234 |   |   |   | 2,539,495 |   |
| Depreciation and amortization                         |   |   | 59,255    |   |   |   | 48,992 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Total operating expenses                              |   |   | 3,851,530 |   |   |   | 3,653,985 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Income from operations                                |   |   | 665,045   |   |   |   | 11,578 |   |
| Other income, net                                     |   |   | 14,591    |   |   |   | 10,343 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Income before income taxes                            |   |   | 679,636   |   |   |   | 21,921 |   |
| Provision for income taxes                            |   |   | 276,742   |   |   |   | 2,493 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Net income                                            |   | $      | 402,894   |   |   | $      | 19,428 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Net income per share of common stock:                 |   |   |      |   |   |   |   |   |
|                                                  |   |   |      |   |   |   |   |   |
| Basic                                                 |   | $      | 0.05      |   |   | $      | 0.00 |   |
| Diluted                                               |   | $      | 0.05      |   |   | $      | 0.00 |   |
|                                                  |   |   |      |   |   |   |   |   |
| Weighted average number of common shares outstanding: |   |   |      |   |   |   |   |   |
|                                                  |   |   |      |   |   |   |   |   |
| Basic                                                 |   |   | 7,894,623 |   |   |   | 7,849,462 |   |
| Diluted                                               |   |   | 8,292,158 |   |   |   | 8,006,626 |   |

----

Index

CREDITRISKMONITOR.COM, INC.

|                                                                              |   | 2010   |       |   | 2009   |   |
|-----------------------------------------------------------------------------------|--------|--------|------------|--------|--------|--------|
|                                                                              |   |   |       |   |   |   |
| Cash flows from operating activities:                                             |   |   |       |   |   |   |
| Net income                                                                        |   | $      | 402,894    |   |   | $      | 19,428 |   |
| Adjustments to reconcile net income to net cash provided by operating activities: |   |   |       |   |   |   |   |   |
| Depreciation and amortization                                                     |   |   | 59,255     |   |   |   | 48,992 |   |
| Deferred rent                                                                     |   |   | -          |   |   |   | (2,935 | ) |
| Stock-based compensation                                                          |   |   | 25,680     |   |   |   | 26,949 |   |
| Deferred income taxes                                                             |   |   | 271,852    |   |   |   | - |   |
| Unrealized (gain) loss on marketable securities                                   |   |   | (10,530    | )      |   |   | 28,224 |   |
| Changes in operating assets and liabilities:                                      |   |   |       |   |   |   |   |   |
| Accounts receivable                                                               |   |   | 140,804    |   |   |   | 264,844 |   |
| Other current assets                                                              |   |   | 148,691    |   |   |   | 77,544 |   |
| Prepaid and other assets                                                          |   |   | (14,798    | )      |   |   | (7,948 | ) |
| Deferred revenue                                                                  |   |   | 577,090    |   |   |   | 651,855 |   |
| Accounts payable                                                                  |   |   | 5,602      |   |   |   | (26,133 | ) |
| Accrued expenses                                                                  |   |   | (210,495   | )      |   |   | (101,640 | ) |
|                                                                              |   |   |       |   |   |   |   |   |
| Net cash provided by operating activities                                         |   |   | 1,396,045  |   |   |   | 979,180 |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Cash flows from investing activities:                                             |   |   |       |   |   |   |   |   |
| Purchase of marketable securities                                                 |   |   | (1,210,401 | )      |   |   | (433,761 | ) |
| Sale of marketable securities                                                     |   |   | --         |   |   |   | 3,364,533 |   |
| Purchase of property and equipment                                                |   |   | (92,683    | )      |   |   | (80,960 | ) |
|                                                                              |   |   |       |   |   |   |   |   |
| Net cash used in investing activities                                             |   |   | (1,303,084 | )      |   |   | 2,849,812 |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Cash flows from financing activities:                                             |   |   |       |   |   |   |   |   |
| Proceeds from exercise of stock options                                           |   |   | 50,000     |   |   |   | - |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Net cash provided by financing activities                                         |   |   | 50,000     |   |   |   | - |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Net increase in cash and cash equivalents                                         |   |   | 142,961    |   |   |   | 3,828,992 |   |
| Cash and cash equivalents at beginning of period                                  |   |   | 4,679,466  |   |   |   | 912,591 |   |
|                                                                              |   |   |       |   |   |   |   |   |
| Cash and cash equivalents at end of period                                        |   | $      | 4,822,427  |   |   | $      | 4,741,583 |   |

----

Index

CREDITRISKMONITOR.COM, INC.

----

Index

|                                         |   | 3 Months Ended |   |   | 6 Months Ended |   |
|----------------------------------------------|--------|----------------|--------|--------|----------------|--------|
|                                         |   | June 30,       |   |   | June 30,       |   |
|                                         |   | 2010           |   |   | 2009           |   |   | 2010 |   |   | 2009 |   |
|                                         |   |           |   |   |           |   |   |   |   |   |   |   |
| Data and product costs                       |   | $              | 1,450  |   |           | $      | 1,952 |   |   | $ | 2,986 |   |   | $ | 3,905 |   |
| Selling, general and administrative expenses |   |           | 11,347 |   |           |   | 11,522 |   |   |   | 22,694 |   |   |   | 23,044 |   |
|                                         |   |           |   |   |           |   |   |   |   |   |   |   |   |   |   |   |
|                                         |   | $              | 12,797 |   |           | $      | 13,474 |   |   | $ | 25,680 |   |   | $ | 26,949 |   |

----

Index

|                      |   | Level 1 |      |   | Level 2 |   |   | Level 3 |   |   | Total fair value |   |
|---------------------------|--------|---------|-----------|--------|---------|--------|--------|---------|--------|--------|------------------|--------|
|                      |   |    |      |   |    |   |   |    |   |   |             |   |
| Cash and cash equivalents |   | $       | 4,822,427 |   |    | $      | -      |    |   | $      | -                |   |   | $ | 4,822,427 |   |
| Marketable securities     |   |    | 1,220,931 |   |    |   | -      |    |   |   | -                |   |   |   | 1,220,931 |   |
|                      |   |    |      |   |    |   |   |    |   |   |             |   |   |   |   |   |
| Total                     |   | $       | 6,043,358 |   |    | $      | -      |    |   | $      | -                |   |   | $ | 6,043,358 |   |

| (5) Net Income Per Share |
|--------------------------|

|                                                                |   | 3 Months Ended |      |   | 6 Months Ended |   |
|---------------------------------------------------------------------|--------|----------------|-----------|--------|----------------|--------|
|                                                                |   | June 30,       |      |   | June 30,       |   |
|                                                                |   | 2010           |      |   | 2009           |   |   | 2010 |   |   | 2009 |   |
|                                                                |   |           |      |   |           |   |   |   |   |   |   |   |
| Weighted average shares outstanding – basic                   |   |           | 7,899,462 |   |           |   | 7,849,462 |   |   |   | 7,894,623 |   |   |   | 7,849,462 |   |
| Potential shares exercisable under stock option plans               |   |           | 532,500   |   |           |   | 527,500 |   |   |   | 557,500 |   |   |   | 483,000 |   |
| LESS: Shares which could be repurchased under treasury stock method |   |           | (146,460  | )      |           |   | (287,340 | ) |   |   | (159,965 | ) |   |   | (325,836 | ) |
| Weighted average shares outstanding – diluted                 |   |           | 8,285,502 |   |           |   | 8,089,622 |   |   |   | 8,292,158 |   |   |   | 8,006,626 |   |

----

Index

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

|                                             |   | June 30, |   |   | December 31, |   |
|--------------------------------------------------|--------|----------|--------|--------|--------------|--------|
|                                             |   | 2010     |   |   | 2009         |   |
| Cash, cash equivalents and marketable securities |   | $        | 6,043  |   |         | $      | 4,679 |   |
| Accounts receivable, net                         |   | $        | 1,230  |   |         | $      | 1,371 |   |
| Working capital                                  |   | $        | 943    |   |         | $      | 241 |   |
| Cash ratio                                       |   |     | 0.94   |   |         |   | 0.77 |   |
| Quick ratio                                      |   |     | 1.13   |   |         |   | 1.00 |   |
| Current ratio                                    |   |     | 1.15   |   |         |   | 1.04 |   |

----

Index

|                                         |   | 3 Months Ended June 30, |      |
|----------------------------------------------|--------|-------------------------|-----------|
|                                         |   | 2010                    |      |   | 2009 |   |
|                                         |   |   Amount           |      |   | % of TotalOperatingRevenues |   |   | Amount |   |   | % of TotalOperatingRevenues |   |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |
| Operating revenues                           |   | $                       | 2,304,873 |   |   |   | 100.00 | % |   | $ | 1,922,437 |   |   |   | 100.00 | % |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Operating expenses:                          |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Data and product costs                       |   |                    | 573,274   |   |   |   | 24.87 | % |   |   | 565,056 |   |   |   | 29.39 | % |
| Selling, general and administrative expenses |   |                    | 1,347,086 |   |   |   | 58.45 | % |   |   | 1,304,604 |   |   |   | 67.86 | % |
| Depreciation and amortization                |   |                    | 31,548    |   |   |   | 1.37 | % |   |   | 25,337 |   |   |   | 1.32 | % |
| Total operating expenses                     |   |                    | 1,951,908 |   |   |   | 84.69 | % |   |   | 1,894,997 |   |   |   | 98.57 | % |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income from operations                       |   |                    | 352,965   |   |   |   | 15.31 | % |   |   | 27,440 |   |   |   | 1.43 | % |
| Other income (expense), net                  |   |                    | 13,864    |   |   |   | 0.60 | % |   |   | (12,206 | ) |   |   | (0.64 | %) |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                   |   |                    | 366,829   |   |   |   | 15.91 | % |   |   | 15,234 |   |   |   | 0.79 | % |
| Provision for income taxes                   |   |                    | 147,411   |   |   |   | 6.39 | % |   |   | 1,030 |   |   |   | 0.05 | % |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income                                   |   | $                       | 219,418   |   |   |   | 9.52 | % |   | $ | 14,204 |   |   |   | 0.74 | % |

----

Index

|                                         |   | 6 Months Ended June 30, |      |
|----------------------------------------------|--------|-------------------------|-----------|
|                                         |   | 2010                    |      |   | 2009 |   |
|                                         |   |   Amount           |      |   | % of TotalOperatingRevenues |   |   | Amount |   |   | % of TotalOperatingRevenues |   |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |
| Operating revenues                           |   | $                       | 4,516,575 |   |   |   | 100.00 | % |   | $ | 3,665,563 |   |   |   | 100.00 | % |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Operating expenses:                          |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Data and product costs                       |   |                    | 1,171,041 |   |   |   | 25.93 | % |   |   | 1,065,498 |   |   |   | 29.07 | % |
| Selling, general and administrative expenses |   |                    | 2,621,234 |   |   |   | 58.04 | % |   |   | 2,539,495 |   |   |   | 69.28 | % |
| Depreciation and amortization                |   |                    | 59,255    |   |   |   | 1.31 | % |   |   | 48,992 |   |   |   | 1.33 | % |
| Total operating expenses                     |   |                    | 3,851,530 |   |   |   | 85.28 | % |   |   | 3,653,985 |   |   |   | 99.68 | % |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income from operations                       |   |                    | 665,045   |   |   |   | 14.72 | % |   |   | 11,578 |   |   |   | 0.32 | % |
| Other income, net                            |   |                    | 14,591    |   |   |   | 0.32 | % |   |   | 10,343 |   |   |   | 0.28 | % |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                   |   |                    | 679,636   |   |   |   | 15.04 | % |   |   | 21,921 |   |   |   | 0.60 | % |
| Provision for income taxes                   |   |                    | 276,742   |   |   |   | 6.12 | % |   |   | 2,493 |   |   |   | 0.07 | % |
|                                         |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income                                   |   | $                       | 402,894   |   |   |   | 8.92 | % |   | $ | 19,428 |   |   |   | 0.53 | % |

----

Index

----

Index

----

Index

Item 4T. Controls and Procedures

PART II. OTHER INFORMATION

Item 6. Exhibits

|   | 31.1 | Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. |
|--------|------|-----------------------------------------------------------------------------------------------------|

|   | 31.2 | Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. |
|--------|------|-----------------------------------------------------------------------------------------------------|

|   | 32.1 | Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
|--------|------|----------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 32.2 | Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
|--------|------|----------------------------------------------------------------------------------------------------------------------------------------------------|

----

Index

SIGNATURES

|                  | CREDITRISKMONITOR.COM, INC. |                         |
|-----------------------|-----------------------------|------------------------------|
|                  |                        | (REGISTRANT)                 |   |
|                  |                        |                         |   |
| Date: August 10, 2010 | By: /s/                     | Lawrence Fensterstock        |   |
|                  |                        | Lawrence Fensterstock        |   |
|                  |                        | Chief Financial Officer      |   |
|                  |                        | Principal Accounting Officer |   |

----