----

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|  Nevada                                                              |   |  36-2972588                          |
|---------------------------------------------------------------------------|--------|-------------------------------------------|
|  (State or other jurisdiction of incorporation or organization) |   |  (I.R.S. EmployerIdentification No.) |
|                                                                      |   |                                      |
|                                                                      |   |                                      |
|  704 Executive Boulevard, Suite AValley Cottage, New York            |   |  10989                               |
|  (Address of principal executive offices)                            |   |  (Zip Code)                          |
|                                                                      |   |                                      |

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Table of Content

CREDITRISKMONITOR

INDEX

|                                                                                                                                                                     |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                                                     | Page   |
|                                                                                                                                                                     |   |
| PART I. FINANCIAL INFORMATION                                                                                                                                            |   |
|                                                                                                                                                                     |   |
| Item 1. Financial Statements                                                                                                                                             |   |
|                                                                                                                                                                     |   |
| Balance Sheets – June 30, 2009 (Unaudited) and December 31, 2008                                                                                                   | 2      |
|                                                                                                                                                                     |   |
| Statements of Operations for the Three Months Ended June 30, 2009 and 2008 (Unaudited)                                                                                   | 3      |
|                                                                                                                                                                     |   |
| Statements of Operations for the Six Months Ended June 30, 2009 and 2008 (Unaudited)                                                                                     | 4      |
|                                                                                                                                                                     |   |
| Statements of Cash Flows for the Six Months Ended June 30, 2009 and 2008 (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                                                                                                                 | 13     |
|                                                                                                                                                                     |   |
| PART II. OTHER INFORMATION                                                                                                                                               |   |
|                                                                                                                                                                     |   |
|          Item 6.        Exhibits                                                              | 14     |
|                                                                                                                                                                     |   |
| SIGNATURES                                                                                                                                                               | 15     |
|                                                                                                                                                                     |   |
| EXHIBITS                                                                                                                                                                 |   |
|                                                                                                                                                                     |   |
| 31.1    Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002                                                | 16     |
|                                                                                                                                                                     |   |
| 31.2    Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002                                                | 17     |
|                                                                                                                                                                     |   |
| 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 | 18     |
|                                                                                                                                                                     |   |
| 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 | 19     |

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Table of Content

BALANCE SHEETS

|                                                |   | June 30,    |        |   | Dec. 31, |    |
|-----------------------------------------------------|--------|-------------|-------------|--------|----------|---------|
|                                                |   | 2009        |        |   | 2008     |    |
|                                                |   | (Unaudited) |        |   | (Note 1) |    |
| ASSETS                                              |   |        |        |   |     |    |
| Current assets:                                     |   |        |        |   |     |    |
| Cash and cash equivalents                           |   |  $     | 4,741,583   |   |     |  $ | 912,591 |   |
| Marketable securities                               |   |        | —     |   |     |    | 2,958,996 |   |
| Accounts receivable, net of allowance               |   |        | 881,222     |   |     |    | 1,146,066 |   |
| Other current assets                                |   |        | 160,339     |   |     |    | 237,883 |   |
|                                                |   |        |        |   |     |    |   |   |
| Total current assets                                |   |        | 5,783,144   |   |     |    | 5,255,536 |   |
|                                                |   |        |        |   |     |    |   |   |
| Property and equipment, net                         |   |        | 245,110     |   |     |    | 213,142 |   |
| Goodwill                                            |   |        | 1,954,460   |   |     |    | 1,954,460 |   |
| Prepaid and other assets                            |   |        | 36,057      |   |     |    | 28,109 |   |
|                                                |   |        |        |   |     |    |   |   |
| Total assets                                        |   |  $     | 8,018,771   |   |     |  $ | 7,451,247 |   |
|                                                |   |        |        |   |     |    |   |   |
|                                                |   |        |        |   |     |    |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY          |   |        |        |   |     |    |   |   |
| Current liabilities:                                |   |        |        |   |     |    |   |   |
| Deferred revenue                                    |   |  $     | 5,046,658   |   |     |  $ | 4,394,803 |   |
| Accounts payable                                    |   |        | 26,625      |   |     |    | 52,758 |   |
| Accrued expenses                                    |   |        | 509,108     |   |     |    | 610,748 |   |
|                                                |   |        |        |   |     |    |   |   |
| Total current liabilities                           |   |        | 5,582,391   |   |     |    | 5,058,309 |   |
|                                                |   |        |        |   |     |    |   |   |
| Other liabilities                                   |   |        | 489         |   |     |    | 3,424 |   |
|                                                |   |        |        |   |     |    |   |   |
| Total liabilities                                   |   |        | 5,582,880   |   |     |    | 5,061,733 |   |
|                                                |   |        |        |   |     |    |   |   |
| 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 7,849,462 shares     |   |        | 78,494      |   |     |    | 78,494 |   |
| Additional paid-in capital                          |   |        | 28,306,217  |   |     |    | 28,279,268 |   |
| Accumulated deficit                                 |   |        | (25,948,820 | )      |     |    | (25,968,248 | ) |
|                                                |   |        |        |   |     |    |   |   |
| Total stockholders’ equity                    |   |        | 2,435,891   |   |     |    | 2,389,514 |   |
|                                                |   |        |        |   |     |    |   |   |
| Total liabilities and stockholders’ equity    |   |  $     | 8,018,771   |   |     |  $ | 7,451,247 |   |
|                                                |   |        |        |   |     |    |   |   |

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Table of Content

STATEMENTS 

|                                         |   | 2009    |      |          | 2008   |    |
|----------------------------------------------|--------|---------|-----------|---------------|--------|---------|
|                                         |   |    |      |          |   |    |
| Operating revenues                           |   |  $ | 1,922,437 |          |   |  $ | 1,404,450 |   |
|                                         |   |    |      |          |   |    |   |   |
| Operating expenses:                          |   |    |      |          |   |    |   |   |
| Data and product costs                       |   |    | 565,056   |          |   |    | 447,743 |   |
| Selling, general and administrative expenses |   |    | 1,304,604 |          |   |    | 921,497 |   |
| Depreciation and amortization                |   |    | 25,337    |          |   |    | 20,471 |   |
|                                         |   |    |      |          |   |    |   |   |
| Total operating expenses                     |   |    | 1,894,997 |          |   |    | 1,389,711 |   |
|                                         |   |    |      |          |   |    |   |   |
| Income from operations                       |   |    | 27,440    |          |   |    | 14,739 |   |
| Other income (expense)                       |   |    | (12,199   | )             |   |    | 8,738  |   |
| Interest expense                             |   |    | (7        | )   |   |    | (2,528 | )  |
|                                         |   |    |      |          |   |    |   |   |
| Income before income taxes                   |   |    | 15,234    |          |   |    | 20,949 |   |
| Provision for income taxes                   |   |    | 1,030     |          |   |    | 467 |   |
|                                         |   |    |      |          |   |    |   |   |
| Net income                                   |   | $       | 14,204    |          |   |  $ | 20,482 |   |
|                                         |   |    |      |          |   |    |   |   |
| Net income per share of common stock:        |   |    |      |          |   |    |   |   |
|                                         |   |    |      |          |   |    |   |   |
| Basic                                        |   | $       | 0.00      |          |   |  $ | 0.00 |   |
| Diluted                                      |   | $       | 0.00      |          |   |  $ | 0.00 |   |
|                                         |   |    |      |          |   |    |   |   |
| Weighted average number of common shares     |   |    |      |          |   |    |   |   |
| outstanding:                                 |   |    |      |          |   |    |   |   |
|                                         |   |    |      |          |   |    |   |   |
| Basic                                        |   |    | 7,849,462 |          |   |    | 7,694,473 |   |
| Diluted                                      |   |    | 8,089,622 |          |   |    | 8,058,513 |   |
|                                         |   |    |      |          |   |    |   |   |

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Table of Content

STATEMENTS OF OPERATIONS

|                                         |   |    | 2009      |   |   |    | 2008         |   |
|----------------------------------------------|--------|---------|-----------|--------|--------|---------|--------------|--------|
|                                         |   |    |      |   |   |    |         |   |
| Operating revenues                           |   |  $ | 3,665,563 |   |   |  $ | 2,769,640    |   |
|                                         |   |    |      |   |   |    |         |   |
| Operating expenses:                          |   |    |      |   |   |    |         |   |
| Data and product costs                       |   |    | 1,065,498 |   |   |    | 878,971      |   |
| Selling, general and administrative expenses |   |    | 2,539,495 |   |   |    | 1,813,743    |   |
| Depreciation and amortization                |   |    | 48,992    |   |   |    | 38,010       |   |
|                                         |   |    |      |   |   |    |         |   |
| Total operating expenses                     |   |    | 3,653,985 |   |   |    | 2,730,724    |   |
|                                         |   |    |      |   |   |    |         |   |
| Income from operations                       |   |    | 11,578    |   |   |    | 38,916       |   |
| Other income                                 |   |    | 10,350    |   |   |    | 33,464       |   |
| Interest expense                             |   |    | (7        | )      |   |    | (9,773       | )      |
|                                         |   |    |      |   |   |    |         |   |
| Income before income taxes                   |   |    | 21,921    |   |   |    | 62,607       |   |
| Provision for income taxes                   |   |    | 2,493     |   |   |    | 2,357        |   |
|                                         |   |    |      |   |   |    |         |   |
| Net income                                   |   |  $ | 19,428    |   |   |  $ | 60,250  |   |
|                                         |   |    |      |   |   |    |         |   |
| Net income per share of common stock:        |   |    |      |   |   |    |         |   |
|                                         |   |    |      |   |   |    |         |   |
| Basic                                        |   |  $ | 0.00      |   |   |    | $0.01        |   |
| Diluted                                      |   |  $ | 0.00      |   |   |    | $0.01        |   |
|                                         |   |    |      |   |   |    |         |   |
| Weighted average number of common shares     |   |    |      |   |   |    |         |   |
| outstanding:                                 |   |    |      |   |   |    |         |   |
|                                         |   |    |      |   |   |    |         |   |
| Basic                                        |   |    | 7,849,462 |   |   |    | 7,694,467    |   |
| Diluted                                      |   |    | 8,006,626 |   |   |    | 8,086,241    |   |
|                                         |   |    |      |   |   |    |         |   |
|                                         |   |    |      |   |   |    |         |   |

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Table of Content

STATEMENTS 

|                                                |   |    |      |   |   |    |
|-----------------------------------------------------|--------|---------|-----------|--------|--------|---------|
|                                                |   | 2009    |      |   | 2008   |    |
|                                                |   |    |      |   |   |    |
| Cash flows from operating activities:               |   |    |      |   |   |    |
| Net income                                          |   |  $ | 19,428    |   |   |  $ | 60,250 |   |
| Adjustments to reconcile net income to net          |   |    |      |   |   |    |   |   |
| cash provided by operating activities:              |   |    |      |   |   |    |   |   |
| Depreciation and amortization                       |   |    | 48,992    |   |   |    | 38,010 |   |
| Deferred rent                                       |   |    | (2,935    | )      |   |    | (1,424 | ) |
| Stock-based compensation                            |   |    | 26,949    |   |   |    | 26,948 |   |
| Realized loss on marketable securities              |   |    | 28,224    |   |   |    | - |   |
| Changes in operating assets and liabilities:        |   |    |      |   |   |    |   |   |
| Accounts receivable                                 |   |    | 264,844   |   |   |    | 46,119 |   |
| Other current assets                                |   |    | 77,544    |   |   |    | 108,483 |   |
| Prepaid and other assets                            |   |    | (7,948    | )      |   |    | (6,273 | ) |
| Deferred revenue                                    |   |    | 651,855   |   |   |    | 398,312 |   |
| Accounts payable                                    |   |    | (26,133   | )      |   |    | 9,470 |   |
| Accrued expenses                                    |   |    | (101,640  | )      |   |    | (15,143 | ) |
| Other liabilities                                   |   |    | -         |   |   |    | (58,890 | ) |
|                                                |   |    |      |   |   |    |   |   |
| Net cash provided by operating activities           |   |    | 979,180   |   |   |    | 605,862 |   |
|                                                |   |    |      |   |   |    |   |   |
| Cash flows from investing activities:               |   |    |      |   |   |    |   |   |
| Purchase of marketable securities                   |   |    | (433,761  | )      |   |    | - |   |
| Sale of marketable securities                       |   |    | 3,364,533 |   |   |    | - |   |
| Purchase of property and equipment                  |   |    | (80,960   | )      |   |    | (60,573 | ) |
|                                                |   |    |      |   |   |    |   |   |
| Net cash provided by (used in) investing activities |   |    | 2,849,812 |   |   |    | (60,573 | ) |
|                                                |   |    |      |   |   |    |   |   |
| Cash flows from financing activities:               |   |    |      |   |   |    |   |   |
| Proceeds from exercise of stock options             |   |    | -         |   |   |    | 5,000 |   |
| Payments on long-term debt                          |   |    | -         |   |   |    | (286,940 | ) |
|                                                |   |    |      |   |   |    |   |   |
| Net cash used in financing activities               |   |    | -         |   |   |    | (281,940 | ) |
|                                                |   |    |      |   |   |    |   |   |
| Net increase in cash and cash equivalents           |   |    | 3,828,992 |   |   |    | 263,349 |   |
| Cash and cash equivalents at beginning of period    |   |    | 912,591   |   |   |    | 2,973,263 |   |
|                                                |   |    |      |   |   |    |   |   |
| Cash and cash equivalents at end of period          |   |  $ | 4,741,583 |   |   |  $ | 3,236,612 |   |
|                                                |   |    |      |   |   |    |   |   |

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Table of Content

CONDENSED 

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|                                         |   | 3 Months Ended |   |   | 6 Months Ended |    |
|----------------------------------------------|--------|----------------|--------|--------|----------------|---------|
|                                         |   | June 30,       |   |   | June 30,       |    |
|                                         |   | 2009           |   |   | 2008           |    |   | 2009 |   |   | 2008 |   |
|                                         |   |           |   |   |           |    |   |   |   |   |   |   |
|  Data and product costs            |   |  $        | 1,952  |   |           |  $ | 1,952 |   |   |  $ | 3,905 |   |   |  $ | 3,905 |   |
| Selling, general and administrative expenses |   |           | 11,522 |   |           |    | 11,522 |   |   |   | 23,044 |   |   |   | 23,043 |   |
|                                         |   |           |   |   |           |    |   |   |   |   |   |   |   |   |   |   |
|                                         |   |  $        | 13,474 |   |           |  $ | 13,474 |   |   |  $ | 26,949 |   |   |  $ | 26,948 |   |

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|                      |   | Level 1 |      |   | Level 2 |    |   | Level 3 |   |    | Total fairvalue |   |
|---------------------------|--------|---------|-----------|--------|---------|---------|--------|---------|--------|---------|-----------------|--------|
|                      |   |    |      |   |    |    |   |    |   |    |            |   |
| Cash and cash equivalents |   |  $ | 4,741,583 |   |    |  $ | -      |    |   |  $ | -               |   |   |  $ | 4,741,583 |   |
|                      |   |    |      |   |    |    |   |    |   |    |            |   |   |   |   |   |
|  Total          |   |  $ | 4,741,583 |   |    |  $ | -      |    |   |  $ | -               |   |   |  $ | 4,741,583 |   |

|                                                                           |   | 3 Months EndedJune 30, |      |   | 6 Months EndedJune 30, |   |
|--------------------------------------------------------------------------------|--------|-----------------------------|-----------|--------|-----------------------------|--------|
|                                                                           |   | 2009                        |      |   | 2008                        |   |   | 2009 |   |   | 2008 |   |
|                                                                           |   |                        |      |   |                        |   |   |   |   |   |   |   |
| Weighted average shares outstanding – basic                              |   |                        | 7,849,462 |   |                        |   | 7,694,473 |   |   |   | 7,849,462 |   |   |   | 7,694,467 |   |
| Potential shares exercisable  under stock option plans               |   |                        | 527,500   |   |                        |   | 677,500 |   |   |   | 483,000 |   |   |   | 707,500 |   |
| LESS: Shares which could be repurchased under treasury  stock method |   |                        | (287,340  | )      |                        |   | (313,460 | ) |   |   | (325,836 | ) |   |   | (315,726 | ) |
| Weighted average shares outstanding – diluted                            |   |                        | 8,089,622 |   |                        |   | 8,058,513 |   |   |   | 8,006,626 |   |   |   | 8,086,241 |   |

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Table of Content

Item 

|                                                    |   | June 30, |   |   | December 31, |    |
|---------------------------------------------------------|--------|---------------|--------|--------|--------------|---------|
|                                                    |   | 2009          |   |   | 2008         |    |
|  Cash, cash equivalents, and marketable securities |   |  $       | 4,742  |   |         |  $ | 3,872 |   |
|  Accounts receivable, net                     |   |  $       | 881    |   |         |  $ | 1,146 |   |
|  Working capital                              |   |  $       | 201    |   |         |  $ | 197 |   |
|  Cash ratio                                        |   |          | 0.85   |   |         |    | 0.77 |   |
|  Quick ratio                                       |   |          | 1.01   |   |         |    | 0.99 |   |
|  Current ratio                                     |   |          | 1.04   |   |         |    | 1.04 |   |

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Table of Content

|                                         |   |                   3 Months Ended June 30, |      |
|----------------------------------------------|--------|--------------------------------------------------------------------------------------------------------------------------------|-----------|
|                                         |   |  2009                                                                                                                     |      |   |  2008 |   |
|                                         |   |                                                                                                                           |      |   |  % of Total  |   |   |   |   |   |  % of Total |   |
|                                         |   |                                                                                                                           |      |   |  Operating |   |   |   |   |   |  Operating |   |
|                                         |   |  Amount                                                                                                                   |      |   |  Revenues |   |   |  Amount |   |   |  Revenues |   |
|                                         |   |                                                                                                                           |      |   |   |   |   |   |   |   |   |   |
| Operating revenues                           |   |  $                                                                                                                        | 1,922,437 |   |   |   | 100.00 | % |   |  $ | 1,404,450 |   |   |   | 100.00 | % |
|                                         |   |                                                                                                                           |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Operating expenses:                          |   |                                                                                                                           |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Data and product costs                       |   |                                                                                                                           | 565,056   |   |   |   | 29.39 | % |   |   | 447,743 |   |   |   | 31.88 | % |
| Selling, general and administrative expenses |   |                                                                                                                           | 1,304,604 |   |   |   | 67.86 | % |   |   | 921,497 |   |   |   | 65.61 | % |
| Depreciation and amortization                |   |                                                                                                                           | 25,337    |   |   |   | 1.32 | % |   |   | 20,471 |   |   |   | 1.46 | % |
| Total operating expenses                     |   |                                                                                                                           | 1,894,997 |   |   |   | 98.57 | % |   |   | 1,389,711 |   |   |   | 98.95 | % |
|                                         |   |                                                                                                                           |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income from operations                       |   |                                                                                                                           | 27,440    |   |   |   | 1.43 | % |   |   | 14,739 |   |   |   | 1.05 | % |
| Other income (expense)                       |   |                                                                                                                           | (12,199   | ) |   |   | (0.64 | %) |   |   | 8,738 |   |   |   | 0.62 | % |
| Interest expense                             |   |                                                                                                                           | (7        | ) |   |   | 0.00 | % |   |   | (2,528 | ) |   |   | (0.18 | %) |
|                                         |   |                                                                                                                           |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                   |   |                                                                                                                           | 15,234    |   |   |   | 0.79 | % |   |   | 20,949 |   |   |   | 1.49 | % |
| Provision for income taxes                   |   |                                                                                                                           | 1,030     |   |   |   | 0.05 | % |   |   | 467 |   |   |   | 0.03 | % |
|                                         |   |                                                                                                                           |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income                                   |   |  $                                                                                                                        | 14,204    |   |   |   | 0.74 | % |   |  $ | 20,482 |   |   |   | 1.46 | % |

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Table of Content

|                                         |   | Six Months Ended June 30,                                                                       |      |
|----------------------------------------------|--------|-------------------------------------------------------------------------------------------------|-----------|
|                                         |   |                 2009 |      |   |  2008 |   |
|                                         |   |                                                                                            |      |   |  % of Total |   |   |   |   |   | % of Total |   |
|                                         |   |                                                                                            |      |   | Operating |   |   |   |   |   | Operating |   |
|                                         |   |  Amount                                                                                    |      |   | Revenues |   |   |  Amount |   |   | Revenues |   |
|                                         |   |                                                                                            |      |   |   |   |   |   |   |   |   |   |
|                                         |   |                                                                                            |      |   |   |   |   |   |   |   |   |   |
| Operating revenues                           |   |  $                                                                                         | 3,665,563 |   |   |   | 100.00 | % |   |  $ | 2,769,640 |   |   |   | 100.00 | % |
|                                         |   |                                                                                            |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Operating expenses:                          |   |                                                                                            |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Data and product costs                       |   |                                                                                            | 1,065,498 |   |   |   | 29.07 | % |   |   | 878,971 |   |   |   | 31.73 | % |
| Selling, general and administrative expenses |   |                                                                                            | 2,539,495 |   |   |   | 69.28 | % |   |   | 1,813,743 |   |   |   | 65.49 | % |
| Depreciation and amortization                |   |                                                                                            | 48,992    |   |   |   | 1.33 | % |   |   | 38,010 |   |   |   | 1.37 | % |
| Total operating expenses                     |   |                                                                                            | 3,653,985 |   |   |   | 99.68 | % |   |   | 2,730,724 |   |   |   | 98.59 | % |
|                                         |   |                                                                                            |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income from operations                       |   |                                                                                            | 11,578    |   |   |   | 0.32 | % |   |   | 38,916 |   |   |   | 1.41 | % |
| Other income                                 |   |                                                                                            | 10,350    |   |   |   | 0.28 | % |   |   | 33,464 |   |   |   | 1.21 | % |
| Interest expense                             |   |                                                                                            | (7        | ) |   |   | (0.00 | %) |   |   | (9,773 | ) |   |   | (0.35 | %) |
|                                         |   |                                                                                            |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                   |   |                                                                                            | 21,921    |   |   |   | 0.60 | % |   |   | 62,607 |   |   |   | 2.27 | % |
| Provision for income taxes                   |   |                                                                                            | 2,493     |   |   |   | 0.07 | % |   |   | 2,357 |   |   |   | 0.09 | % |
|                                         |   |                                                                                            |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income                                   |   |  $                                                                                         | 19,428    |   |   |   | 0.53 | % |   |  $ | 60,250 |   |   |   | 2.18 | % |

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Item 4T. Controls and Procedures

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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. |
|--------|------|----------------------------------------------------------------------------------------------------------------------------------------------------|

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SIGNATURES

|                       |                                              CREDITRISKMONITOR.COM, INC.                                                                                                                                                                                                                                                                                          |
|----------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                       |                                                (REGISTRANT)                                                                                                                                                                                                                                                                                             |
|                       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|  Date: August 7, 2009 |                                                                                                By: | /s/ Lawrence Fensterstock |
|                       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |       Lawrence Fensterstock |
|                       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |       Chief Financial Officer |

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