EXHIBIT 31.2

 

CERTIFICATION OF CHIEF FINANCIAL OFFICER PURSUANT

TO            SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

 

I,            Lawrence Fensterstock, certify that:

 

|   | 1. | I have reviewed this quarterly report on Form 10-QSB of                            CreditRiskMonitor.com, Inc.; |
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|   | 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; |
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|   | 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; |
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|   | 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: |
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|   | 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; |
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|   | b) | [***Omitted pursuant to extended compliance                            period]; |
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|   | 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 |
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|   | 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 |
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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 |
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|   | 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. |
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| Date: November 12, 2007 | By:  /s/ Lawrence Fensterstock |
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Lawrence Fensterstock

Chief Financial Officer

 

 

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