UNITED STATES 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, 2000

      [_] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT
                        For the transition period from to

                          Commission file number 1-8601


                           CREDITRISKMONITOR.COM, INC.
        (Exact name of small business issuer as specified in its charter)

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

                         110 Jericho Turnpike, Suite 202
                           Floral Park, New York 11001
                    (Address of principal executive offices)

                                 (516) 620-5400
                           (Issuer's telephone number)

Check whether the issuer (1) has filed all reports required to be filed by
Section 13 or 15(d) of the Securities and Exchange Act of 1934 during the
preceding 12 months (or for such shorter period that the issuer 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
                     PROCEEDINGS DURING THE PAST FIVE YEARS

Check whether the registrant filed all documents and reports required to be
filed by Sections 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

State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practical date:

Common stock $.01 par value -- 5,341,129  shares  outstanding  as of November 6,
2000.


Transitional Small Business Disclosure Format (check one):  Yes [ ]   No [x]


<PAGE>



                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                                      INDEX

<TABLE>
<CAPTION>
                                                                                  Page
                                                                                  ----

PART I. FINANCIAL INFORMATION
     <S>                                                                           <C>
     Item 1. Financial Statements

         Consolidated Balance Sheets - September 30, 2000 (Unaudited)
         and December 31, 1999 (Audited).............................................3

         Consolidated Statements of Operations for the Three Months
         Ended September 30, 2000 and 1999 (Unaudited)...............................4

         Consolidated Statements of Operations for the Nine Months
         Ended September 30, 2000 and 1999 (Unaudited)...............................5

         Consolidated Statements of Cash Flows for the Nine Months
         Ended September 30, 2000 and 1999 (Unaudited)...............................6

         Condensed Notes to Consolidated Financial Statements........................7

     Item 2. Management's Discussion and Analysis of Financial Condition
         and Results of Operations...................................................9


PART II. OTHER INFORMATION

     Item 6. Exhibits and Reports on Form 8-K.......................................12


SIGNATURES..........................................................................13
</TABLE>



<PAGE>


PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

                                   CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                                            CONSOLIDATED BALANCE SHEETS
                                     SEPTEMBER 30, 2000 AND DECEMBER 31, 1999
<TABLE>
<CAPTION>
                                                                       Sept. 30,           Dec. 31,
                                                                          2000               1999
                                                                          ----               ----
                                                                       (Unaudited)         (Audited)

<S>                                                                    <C>                 <C>
ASSETS
Current assets:
     Cash and cash equivalents                                         $  1,319,085        $  1,421,885
     Accounts receivable, net of allowance of $32,500
         and $32,500, respectively                                          452,215             575,048
     Other                                                                   16,456              15,798
                                                                       ------------        ------------

         Total current assets                                             1,787,756           2,012,731

Property and equipment, net of accumulated
     depreciation of $135,476 and $61,771, respectively                     316,234             316,999
Goodwill, net of accumulated amortization                                 2,097,470           2,183,275
Other assets                                                                 28,320              21,075
                                                                       ------------        ------------

         Total assets                                                  $  4,229,780        $  4,534,080
                                                                       ============        ============


LIABILITIES AND STOCKHOLDERS' EQUITY
Current liabilities:
     Unearned subscription income                                      $  1,395,563        $  1,263,145
     Deferred service fee income                                             61,219                --
     Deferred advertising revenue                                             2,625                --
     Accrued expenses                                                        88,923              55,598
     Accounts payable                                                        44,202              23,388
     Current portion of capitalized lease obligation                          5,116               4,070
     Other                                                                   20,015              41,768
                                                                       ------------        ------------

         Total current liabilities                                        1,617,663           1,387,969

Long-term debt, net of current portion:
     Secured promissory note, net of unamortized discount
         of $104,761 and $167,643, respectively                             895,239             832,357
     Expense promissory note                                                113,045             106,087
     Capitalized lease obligation                                            19,837              19,990
                                                                       ------------        ------------
                                                                          1,028,121             958,434
Deferred rent                                                                 5,141                 467
Deferred compensation                                                       157,917              86,250
                                                                       ------------        ------------

         Total liabilities                                                2,808,842           2,433,120

Stockholders' equity:
     Common stock                                                            53,411              53,411
     Additional paid-in capital                                          27,192,567          27,192,567
     Accumulated deficit                                                (25,825,040)        (25,145,018)
                                                                       ------------        ------------

         Total stockholders' equity                                       1,420,938           2,100,960
                                                                       ------------        ------------

         Total liabilities and stockholders' equity                    $  4,229,780        $  4,534,080
                                                                       ============        ============
</TABLE>


     See accompanying condensed notes to consolidated financial statements.


                                      -3-
<PAGE>


                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF OPERATIONS
             FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2000 AND 1999
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                   2000                   1999
                                                                   ----                   ----

<S>                                                            <C>                      <C>
Operating revenues:
     Subscription and service fee income                       $   520,048              $   309,788
     Management fee                                                 32,000                     --
                                                               -----------              -----------

         Total operating revenues                                  552,048                  309,788

Operating expenses:
     Data and product costs                                        189,999                  142,614
     Selling, general and administrative expenses                  476,533                  407,414
     Depreciation and amortization                                  54,301                   46,075
                                                               -----------              -----------

         Total operating expenses                                  720,833                  596,103
                                                               -----------              -----------

Loss from operations                                              (168,785)                (286,315)
Other income                                                        16,986                   10,136
Interest expense                                                   (24,554)                 (21,661)
                                                               -----------              -----------

Loss before income taxes                                          (176,353)                (297,840)
Provision (benefit) for income taxes                                   366                     (435)
                                                               -----------              -----------

Net loss                                                       $  (176,719)             $  (297,405)
                                                               ===========              ===========

Net loss per share of common stock:

     Basic                                                     $     (0.03)             $     (0.06)
                                                               ===========              ===========

     Diluted                                                   $     (0.03)             $     (0.06)
                                                               ===========              ===========

Weighted average number of common shares outstanding:

     Basic                                                       5,341,129                5,300,129
                                                               ===========              ===========

     Diluted                                                     5,341,129                5,300,129
                                                               ===========              ===========
</TABLE>


     See accompanying condensed notes to consolidated financial statements.


                                      -4-
<PAGE>


                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF OPERATIONS
              FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000 AND 1999
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                 2000                   1999
                                                                 ----                   ----

<S>                                                         <C>                      <C>
Operating revenues:
     Subscription and service fee income                    $ 1,428,403              $   870,813
     Management fee                                              32,000                     --
                                                            -----------              -----------

         Total operating revenues                             1,460,403                  870,813

Operating expenses:
     Data and product costs                                     554,392                  448,594
     Selling, general and administrative expenses             1,407,578                1,115,615
     Depreciation and amortization                              159,511                  118,554
                                                            -----------              -----------

         Total operating expenses                             2,121,481                1,682,763
                                                            -----------              -----------

Loss from operations                                           (661,078)                (811,950)
Other income                                                     56,887                   48,064
Interest expense                                                (71,795)                 (59,709)
Write-off of intangible assets                                     --                   (134,076)
Loss on sale of fixed assets                                       --                     (3,191)
                                                            -----------              -----------

Loss before income taxes                                       (675,986)                (960,862)
Provision (benefit) for income taxes                              4,036                     (435)
                                                            -----------              -----------

Net loss                                                    $  (680,022)             $  (960,427)
                                                            ===========              ===========

Net loss per share of common stock:

     Basic                                                  $     (0.13)             $     (0.18)
                                                            ===========              ===========

     Diluted                                                $     (0.13)             $     (0.18)
                                                            ===========              ===========

Weighted average number of common shares outstanding:

     Basic                                                    5,341,129                5,300,129
                                                            ===========              ===========

     Diluted                                                  5,341,129                5,300,129
                                                            ===========              ===========
</TABLE>
     See accompanying condensed notes to consolidated financial statements.



                                      -5-
<PAGE>


                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
              FOR THE NINE MONTHS ENDED SEPTEMBR 30, 2000 AND 1999
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                      2000                     1999
                                                                      ----                     ----

<S>                                                               <C>                      <C>
Cash flows from operating activities:
     Net loss                                                     $  (680,022)             $  (960,427)
     Adjustments to reconcile net loss to net cash
         provided by (used in) operations:
              Goodwill amortization                                    85,805                   76,272
              Depreciation                                             73,705                   42,283
              Write-off of intangible assets                             --                    134,076
              Deferred compensation                                    71,667                   63,750
              Amortization of debt discount                            62,882                   54,007
              Deferred interest expense                                 6,958                    5,702
              Deferred rent                                             4,674                     --
              Loss on sale of fixed assets                               --                      3,191
     Changes in operating assets and liabilities,
         net of effect of purchase of assets from
         Market Guide Inc.:
              Accounts receivable                                     122,833                  101,301
              Other current assets                                       (658)                 (14,679)
              Unearned subscription income                            132,418                  178,871
              Deferred service fee income                              61,219                     --
              Deferred advertising revenue                              2,625                     --
              Accrued expenses                                         33,325                   (1,000)
              Accounts payable                                         20,814                   11,794
              Other current liabilities                               (21,753)                   9,950
                                                                  -----------              -----------

Net cash used in operating activities                                 (23,508)                (294,909)
                                                                  -----------              -----------

Cash flows from investing activities:
     Purchase of assets from Market Guide Inc.,
         net of debt issued                                              --                 (1,273,547)
     Purchase of fixed assets                                         (72,940)                 (90,641)
     Proceeds from sale of fixed assets                                  --                        500
     Increase in other assets                                          (7,245)                 (18,298)
                                                                  -----------              -----------

Net cash used in investing activities                                 (80,185)              (1,381,986)
                                                                  -----------              -----------

Cash flows from financing activities:
     Proceeds from private offering, net of
         offering expenses                                               --                  3,193,553
     Additions to capital lease obligation, net                           893                     --
                                                                  -----------              -----------

Net cash provided by financing activities                                 893                3,193,553
                                                                  -----------              -----------

Net increase (decrease) in cash and cash equivalents                 (102,800)               1,516,658
Cash and cash equivalents at beginning of period                    1,421,885                   13,400
                                                                  -----------              -----------

Cash and cash equivalents at end of period                        $ 1,319,085              $ 1,530,058
                                                                  ===========              ===========
</TABLE>


     See accompanying condensed notes to consolidated financial statements.


                                      -6-
<PAGE>


                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
              CONDENSED NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (Unaudited)


(1)  Basis of Presentation

The consolidated  financial statements included herein have been prepared by the
Company,  without audit, pursuant to the rules and regulations of the Securities
and Exchange  Commission.  Certain information and footnote disclosures normally
included  in  consolidated  financial  statements  prepared in  accordance  with
generally accepted accounting principles have been condensed or omitted pursuant
to  such  rules  and  regulations,   although  the  Company  believes  that  the
disclosures are adequate to make the information presented not misleading. These
consolidated  financial  statements  should  be read  in  conjunction  with  the
consolidated  financial statements and the notes thereto in the Company's annual
report on Form 10-KSB for the year ended December 31, 1999.

In the opinion of management,  the unaudited  consolidated  financial statements
reflect all adjustments  (consisting of normal  recurring  accruals)  considered
necessary to present fairly the Company's financial position as of September 30,
2000 and the  results of its  operations  and its cash flows for the nine months
ended September 30, 2000 and 1999.

Results of  operations  for the nine  months  ended  September  30, 2000 are not
necessarily indicative of the results of a full year.

Certain  prior year amounts have been  reclassified  to conform with the current
year presentation.

(2)  Purchase of CreditRisk Monitor and Capital Transactions

In September 1998, the Company  entered into an option  agreement (the "Purchase
Option")  to  purchase  the  assets of the  CreditRisk  Monitor  ("CRM")  credit
information  service from Market Guide Inc.  ("MGI").  CRM is an Internet  based
service  providing credit reports to corporate  personnel on retailing and other
companies  incorporating  MGI developed  financial  information,  peer and trend
analysis,  news, and other vital  information.  The Company paid $60,000 for the
Purchase Option in addition to paid and accrued legal fees totaling $55,000.  On
December 29, 1998,  the Company  notified MGI of its  intention to exercise this
Purchase Option, which was consummated on January 19, 1999.

On January 19, 1999, the Company  exercised its option to purchase the assets of
CRM. The assets purchased included customer contracts,  receivables,  equipment,
software,  and  intangibles.  The net present  value of the  purchase  price was
approximately  $2.15  million  (inclusive  of the $60,000  paid for the Purchase
Option in September  1998),  of which $1.23  million was paid at closing and the
balance is represented by two secured  promissory  notes (one for  approximately
$100,000 and the other for $760,000, net of $240,000 discount). These promissory
notes  provide for the deferral of principal  amortization  until  February 2001
(for the $100,000  note which bears  interest at 8.5 percent) and July 2001 (for
the $1.0 million  note which bears  interest at 6 percent),  respectively.  Both
notes are then  payable  over 24 months and are secured by the assets  purchased
and  substantially  all  other  assets of the  Company.  The $1.0  million  note
provides for no interest  through June 30,


                                      -7-
<PAGE>


2001,  while the other note  provides  for the  deferral of interest  until debt
servicing commences.

Concurrently,  the Company  completed a private placement of 1,300,000 shares of
its common stock to approximately 25 "accredited  investors" at a purchase price
of $2.50 per share, for gross proceeds of $3.25 million.  The proceeds from this
offering  were used to finance the cash portion of the CRM  acquisition  and the
remainder will be used for future working capital needs.  These  securities were
subsequently  registered  under a  Registration  Statement on Form SB-2 declared
effective by the Securities and Exchange Commission on May 17, 1999.

In anticipation of the exercise of the Purchase  Option,  in November 1998, Flum
Partners,  a related party,  provided the Company with a line of credit of up to
$20,000 of which only $5,500 was drawn upon and, in consideration  thereof,  the
Company  agreed to issue to Flum  Partners  2,000 shares of common  stock.  As a
participant in the private placement,  Flum Partners purchased 160,000 shares of
common  stock.  In  addition,  as a  condition  to the private  placement,  Flum
Partners agreed to convert all of its 1,100,000 shares of senior preferred stock
into 3,598,299  shares of common stock on or prior to the closing of the private
placement. This conversion was effected as of January 19, 1999.

This  acquisition  was  accounted for using the purchase  method of  accounting.
Accordingly,  a portion of the purchase  price was allocated to net tangible and
intangible  assets acquired based on their estimated fair values.  A portion was
also  allocated to in-process  research and  development  projects that have not
reached technological  feasibility and have no probable alternative future uses.
This amount ($134,076) was written-off in the first quarter of 1999. The balance
of the purchase price was recorded as goodwill,  and is being  amortized over 20
years.

(3)  Graydon UK Ltd.

In July 2000,  the Company  entered into a Letter of Intent with Graydon UK Ltd.
("Graydon") to be their sole  re-distributor of Graydon's  international  credit
reports  in the United  States.  As part of the  transaction,  CRM  assumed  the
servicing of current  contracts of a Graydon related  company,  Graydon America,
Inc., for which CRM is receiving a monthly  management fee.  Additionally,  with
respect  to new  contracts  signed by CRM,  the  Company  recognizes  revenue as
information  is delivered  and products and services are used by its  customers.
Amounts billed for subscriptions are credited to deferred service fee income and
reflected in operating  revenues as earned over the subscription  term, which is
generally one year.



                                      -8-
<PAGE>


ITEM 2. MANAGEMENT'S  DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
        OF OPERATIONS


Results of Operations

     In January 1999,  the Company  acquired the assets of the CRM and commenced
operations.  Accordingly,  the three and nine month periods ended  September 30,
2000 and 1999 reflect the operating results of the Company's credit  information
service  business.  This business began selling its product in April 1997 and is
still in its early stages of development.

     Operating  revenues for the third  quarter of fiscal 2000  increased 78% to
$552,048  compared  to  $309,788  for the third  quarter  of fiscal  1999.  On a
year-to-date  basis,  operating revenues increased 68% to $1,460,403 compared to
$870,813 for the same period of fiscal 1999.  These increases were primarily due
to an  increase  in the  number of  subscribers  to the  Company's  subscription
service,  revenues from the  management  of the former  Graydon  America  credit
reporting  business  during fiscal 2000 and the selling of advertising  space on
its web site during fiscal 2000.

     Data and product costs were $189,999 and $554,392 for the third quarter and
first  nine  months of fiscal  2000,  respectively,  compared  to  $142,614  and
$448,594,  respectively,  for the same fiscal 1999 periods. The dollar increases
were primarily due to higher salary and related employee benefits resulting from
an increase in headcount as the Company added  personnel to deliver its expanded
product  line.  The  Company is  currently  tracking  in excess of 9,000  public
companies  versus less than 5,700  companies at the end of the third  quarter of
fiscal 1999.  As a  percentage  of operating  revenues,  data and product  costs
decreased  to 34% and 38% for the third  quarter and first nine months of fiscal
2000, respectively,  compared to 46% and 52%, respectively, for the same periods
in fiscal 1999, due to the Company's growing revenue base.

     Selling,  general and  administrative  expenses  for the third  quarter and
first nine months of fiscal 2000 were  $476,533  and  $1,407,578,  respectively,
compared to  $407,414  and  $1,115,615,  respectively,  for the same  periods of
fiscal 1999. The dollar increases were primarily due to an increase in headcount
as the Company has added  salespeople  and customer  support  personnel over the
past 12  months.  As a percent  of  operating  revenues,  selling,  general  and
administrative  expenses  were 86% and 96% for the third  quarter and first nine
months of fiscal 2000,  respectively,  compared to 132% and 128%,  respectively,
for the same periods of fiscal 1999, due to the Company's growing revenue base.

     Depreciation  and  amortization  increased  to $54,301 and $159,511 for the
third  quarter and first nine months of fiscal 2000,  respectively,  compared to
$46,075 and $118,554,  respectively,  for the same periods of fiscal 1999. These
increases  were  primarily  due to higher  depreciation  expense  related to the
acquisition  of computer  equipment  and other fixed  assets  during the last 12
months.

     The Company  incurred a net loss of  $176,719  and  $297,405  for the three
months  ended  September  30,  2000 and 1999,  respectively.  For the first nine
months of fiscal 2000 and 1999, the Company  incurred a net loss of $680,022 and
$960,427, respectively.  Included in the year-to-date results for fiscal 1999 is
a write-off of $134,076  representing  a portion of the purchase  price paid for


                                      -9-
<PAGE>


the CRM assets  allocated to in-process  research and development  projects that
had not reached technological feasibility and had no probable alternative future
uses as of the date of the purchase.

     The Company over time  intends to expand its  operations  by expanding  the
breadth and depth of its product and service  offerings and the  introduction of
new or complementary products.  Gross margins attributable to new business areas
may be  lower  than  those  associated  with  the  Company's  existing  business
activities.

     As a result of the  Company's  limited  operating  history and the emerging
nature of the market in which it competes,  the Company is unable to  accurately
forecast its revenues. The Company's current and future expense levels are based
largely on its  investment  plans and estimates of future  revenues and are to a
large extent fixed.  Sales and operating  results generally depend on the volume
of,  timing of and  ability  to sign new  subscribers,  which are  difficult  to
forecast.  The  Company may be unable to adjust  spending in a timely  manner to
compensate for any unexpected  revenue shortfall.  Accordingly,  any significant
shortfall in revenues in relation to the Company's  planned  expenditures  would
have an immediate adverse effect on the Company's business, prospects, financial
condition and results of operations. Further, as a strategic response to changes
in the competitive  environment,  the Company may from time to time make certain
pricing, purchasing, service, marketing or acquisition decisions that could have
a material adverse effect on its business,  prospects,  financial  condition and
results of operations.

     Factors that may adversely affect the Company's quarterly operating results
include, among others: (i) the Company's ability to retain existing subscribers,
attract new subscribers at a steady rate and maintain  subscriber  satisfaction,
(ii) the development,  announcement or introduction of new services and products
by the Company and its competitors, (iii) price competition, (iv) the increasing
acceptance of the Internet for the purchase of credit  information  such as that
offered by the  Company,  (v) the  Company's  ability to upgrade and develop its
systems and infrastructure,  (vi) the Company's ability to attract new personnel
in a timely  and  effective  manner,  (vii)  the  Company's  ability  to  manage
effectively  the  broadening  of its product to encompass  additional  companies
monitored and the development of new products,  (viii) the Company's  ability to
successfully  manage the integration of third-party data into its Internet site,
(ix) technical  difficulties,  system  downtime or Internet  brownouts,  (x) the
amount  and timing of  operating  costs and  capital  expenditures  relating  to
expansion of the Company's  business,  operations and  infrastructure,  and (xi)
general economic conditions and economic conditions specific to the Internet and
the credit information industry.

Liquidity and Capital Resources

     During 1998 the Company  located,  investigated and negotiated the purchase
of the CRM business then owned by MGI. In September  1998 the Company  purchased
an option to purchase the assets of the CRM business and it exercised its option
on December 29, 1998. The transaction closed effective January 19, 1999.

     In order to  raise  funds to pay the  $1.23  million  cash  portion  of the
purchase  price for the CRM  assets,  the costs of the  acquisition  and to have
sufficient  working  capital to continue to develop and run that  business,  the
Company completed a private placement of 1,300,000 shares on January 19, 1999


                                      -10-
<PAGE>

of its Common Stock to  approximately  25  "accredited  investors" at a purchase
price of $2.50  per  share,  for gross  proceeds  of $3.25  million.  Management
believes  that the  proceeds of this  offering  will  provide  adequate  working
capital to fund operating losses of CRM until cash breakeven has been achieved.

     The transactions  described above,  along with the issuance of 2,000 shares
of Common  Stock to Flum  Partners  in  November  1998 in  consideration  of its
provision to the Company of a line of credit and the conversion by Flum Partners
of its Senior  Preferred  shares into Common Stock on or about January 20, 1999,
resulted  in Flum  Partners  owning more than 72% of the  Company's  outstanding
Common Stock (which is its only equity security now outstanding)  after the 1999
Private Placement.

     Funds from the 1999 Private Placement became available to the Company on or
about  January 19, 1999,  at which date the Company paid the cash portion of the
purchase price for the CRM assets, paid the expenses of the purchase transaction
and retained the remaining proceeds for use as working capital.

     At  September  30,  2000,  the  Company  had cash and cash  equivalents  of
$1,319,085  compared to  $1,421,885  at December  31, 1999.  Working  capital at
September  30,  2000 was  $170,093  compared  to working  capital of $624,762 at
December 31, 1999. The decline in working  capital from December 31, 1999 is due
primarily to: (1) a decrease in accounts receivable,  reflecting the seasonality
of the Company's billing cycle, (2) an increase in unearned subscription income,
as the result of the Company's growing  subscriber base, and (3) the use of cash
to fund the Company's operating loss. The Company has no bank lines of credit or
other currently available credit sources.

     For the nine months ended September 30, 2000, the Company reported that net
cash used in  operating  activities  was $23,508  compared to $294,909  for last
year's comparable period. The Company  anticipates that it will be running at an
overall cash flow breakeven basis by the end of the current fiscal year and that
it has sufficient  resources to meet its working capital and capital expenditure
needs for the ensuing 12 months.

FORWARD-LOOKING STATEMENTS

     Part I, Item 2 (Management's Discussion and Analysis of Financial Condition
and Results of Operations)  of this Quarterly  Report on Form 10-QSB may contain
forward-looking  statements,  including  statements  regarding future prospects,
industry  trends,  competitive  conditions,  litigation  and Year  2000  systems
issues.  Any statements  contained  herein that are not statements of historical
fact may be  deemed  to be  forward-looking  statements.  Without  limiting  the
foregoing, the words "believes", "expects",  "anticipates",  "plans" or words of
similar meaning are intended to identify forward-looking statements. This notice
is  intended  to take  advantage  of the "safe  harbor"  provided by the Private
Securities  Litigation  Reform Act of 1995 with respect to such  forward-looking
statements.  These  forward-looking  statements  involve  a number  of risks and
uncertainties.  Among others,  factors that could cause actual results to differ
materially from the Company's  beliefs or expectations  are those listed in Part
I, Item 2 under "Results of Operations" and other factors  referenced  herein or
from time to time as "risk  factors" or otherwise in the Company's  Registration
Statements or Securities and Exchange Commission reports.


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<PAGE>


PART II. OTHER INFORMATION

Item 6. Exhibits and Reports on Form 8-K

(a)  Exhibits

     27. Financial Data Schedule.

(b)  Reports on Form 8-K

     A Current Report on Form 8-K, dated August 30, 2000, was filed on September
     5, 2000,  regarding  the  resignation  of  Clifton  Gunderson  L.L.C.,  the
     Company's principal accountant.

     A Current  Report on Form 8-K,  dated July 26, 2000, was filed on August 1,
     2000, regarding the Company's signing of a Letter of Intent with Graydon UK
     Ltd. to be their sole  re-distributor  of  Graydon's  international  credit
     reports in the United States.








                                      -12-
<PAGE>


                                   SIGNATURES


In accordance with the  requirements of the Exchange Act, the Registrant  caused
this  report to be  signed on its  behalf  by the  undersigned,  thereunto  duly
authorized.


                                         CREDITRISKMONITOR.COM, INC.
                                              (REGISTRANT)


Date: November 14, 2000                  By: /s/ Lawrence Fensterstock
                                                 Lawrence Fensterstock
                                                 Chief Financial Officer




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