UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 FORM 10-Q x

QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended September 30, 2008o

TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACTFor the transition period from __________ to __________ Commission file
number 1-8601 CREDITRISKMONITOR.COM,
 INC.(Exact name of
 registrant as specified in its charter)  Nevada
36-2972588(State or other
 jurisdiction of
 incorporation or organization)
(I.R.S. Employer
 Identification No.)704 Executive
 Boulevard, Suite A
 Valley Cottage, New York 10989(Address of principal
 executive offices)(845) 230-3000(Registrants telephone
 number, including area code)  Indicate by check mark whether the registrant (1) has
filed all reports required to be filed by Section 13 or 15(d) of the Exchange
Act of 1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.
 Yes x No o
  Indicate by check mark whether the registrant is a
large accelerated filer, an accelerated filer, a non-accelerated filer, or a
small reporting company. See the definitions of large accelerated filer,
accelerated filer and smaller reporting company in Rule 12b-2 of the
Exchange Act. (Check one):
 Large accelerated filero
Accelerated fileroNon-accelerated filero
Smaller reporting
 companyx  Indicate by check mark whether the registrant is a
shell company (as defined by Rule 12b-2 of the Exchange Act).
 Yes o No x
 APPLICABLE ONLY TO
ISSUERS INVOLVED IN BANKRUPTCY
PROCEEDINGS DURING THE PRECEDING FIVE YEARS Indicate by check mark whether the registrant has
filed all documents and reports required to be filed by Sections 12, 13 or 15(d)
of the Exchange Act of 1934 subsequent to the distribution of securities under
a plan confirmed by a court.
 Yes o No o
 APPLICABLE ONLY TO
CORPORATE ISSUERS Indicate the number of shares outstanding of each of
the issuers classes of common stock, as of the latest practical date:
 Common
stock $.01 par value  7,849,462
shares outstanding as of November 3, 2008.
     CREDITRISKMONITOR.COM,
INC.
INDEX

PagePART I. FINANCIAL INFORMATIONItem
 1. Financial StatementsBalance
 Sheets  September 30, 2008 (Unaudited) and 
 December 31, 2007
2Statements of
Operations for the Three Months Ended 
 September 30, 2008 and 2007 (Unaudited)
3Statements of
Operations for the Nine Months Ended 
 September 30, 2008 and 2007 (Unaudited)
4Statements of Cash
Flows for the Nine Months Ended 
 September 30, 2008 and 2007 (Unaudited)
5Condensed
 Notes to Financial Statements
6Item
 2. Managements Discussion and Analysis of Financial Condition 
 and Results of Operations
8Item
 4T. Controls and Procedures
12PART II. OTHER INFORMATIONItem
 6. Exhibits
13SIGNATURES
14EXHIBITS31.1

Certification of Chief
 Executive Officer Pursuant to 
 Section 302 of the Sarbanes-Oxley Act of 2002
1531.2

Certification of Chief
 Financial Officer Pursuant to
 Section 302 of the Sarbanes-Oxley Act of 2002
1732.1

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
1932.2

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
201

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

CREDITRISKMONITOR.COM, INC.BALANCE SHEETS
SEPTEMBER 30, 2008 AND DECEMBER 31, 2007

Sept.
 30,
 2008

Dec.
 31,
 2007(Unaudited)

(Note
 1)ASSETSCurrent assets:Cash and cash
equivalents

$
3,257,441

$
2,973,263Accounts
receivable, net of allowance


861,057


737,436Other current
assets


160,975


260,657Total current
assets


4,279,473


3,971,356Property and equipment, net


235,164


149,773Goodwill


1,954,460


1,954,460Prepaid and other assets


26,867


27,753Total
assets

$
6,495,964

$
6,103,342LIABILITIES AND
 STOCKHOLDERS EQUITYCurrent liabilities:Deferred
revenue

$
3,829,548

$
3,391,339Accounts
payable


112,783


51,119Accrued
expenses


371,193


348,745Current portion
of long-term debt





136,141Total current
liabilities


4,313,524


3,927,344Long-term debt, net of
 current portion





150,799Other liabilities


4,892


66,422Total
liabilities


4,318,416


4,144,565Stockholders 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 and 7,694,462 shares, respectively


78,494


76,944Additional
paid-in capital


28,265,794


28,221,907Accumulated
deficit


(26,166,740
)

(26,340,074
)Total
stockholders equity


2,177,548


1,958,777Total
liabilities and stockholders equity

$
6,495,964

$
6,103,342See accompanying condensed notes to financial
statements.

2

CREDITRISKMONITOR.COM, INC.STATEMENTS OF OPERATIONS
FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2008 AND 2007
(Unaudited)

2008

2007Operating
 revenues

$
1,493,498

$
1,273,983Operating
 expenses:Data and
product costs


456,891


367,944Selling,
general and administrative
 expenses


909,565


738,751Depreciation
and amortization


19,818


16,089Total operating
expenses


1,386,274


1,122,784Income from
 operations


107,224


151,199Other income


6,821


25,220Interest
 expense


(80
)

(8,858
)Income
 before income taxes


113,965


167,561Provision for
 income taxes


880


4,129Net income

$
113,085

$
163,432Net income
 per share of common stock:Basic

$
0.01

$
0.02Diluted

$
0.01

$
0.02Weighted
 average number of common shares outstanding:Basic


7,709,139


7,694,462Diluted


7,848,460


8,144,281See accompanying condensed notes to financial
statements.

3

CREDITRISKMONITOR.COM, INC. STATEMENTS OF OPERATIONS
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2008 AND 2007 
(Unaudited)

2008

2007Operating revenues

$
4,263,138

$
3,665,960Operating expenses:Data and product costs


1,335,862


1,197,246Selling, general and
administrative
 expenses


2,723,308


2,195,938Depreciation and
amortization


57,829


49,416Total operating
expenses


4,116,999


3,442,600Income from operations


146,139


223,360Other income


40,285


62,000Interest expense


(9,853
)

(29,584
)Income before income
taxes


176,571


255,776Provision for income
taxes


3,237


14,311Net income

$
173,334

$
241,465Net income per share of common
stock:Basic

$
0.02

$
0.03Diluted

$
0.02

$
0.03Weighted average number of
common shares
 outstanding:Basic


7,699,466


7,694,462Diluted


8,007,976


8,129,875See accompanying condensed notes to financial
statements.

4

CREDITRISKMONITOR.COM, INC. STATEMENTS OF CASH FLOWS
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2008 AND 2007 
(Unaudited)

2008

2007Cash flows from operating
activities:Net income

$
173,334

$
241,465Adjustments to reconcile net
income to net
 cash provided by operating activities:Depreciation


57,829


49,416Deferred rent


(2,640
)

(426
)Stock-based
compensation


40,422


31,016Changes in operating assets and
 liabilities:Accounts receivable


(123,621
)

14,407Other current assets


99,682


164,523Prepaid and other
assets


886


1,557Deferred revenue


438,209


277,280Accounts payable


61,664


2,910Accrued expenses


22,448


(171,729
)Other liabilities


(58,890
)

(5,832
)Net cash provided by operating
activities


709,323


604,587Cash flows from investing
activities:Purchase of
property and equipment


(143,220
)

(8,256
)Net cash used in investing
activities


(143,220
)

(8,256
)Cash flows from financing
activities:Proceeds from exercise of stock
options


5,015


Payments on long-term
debt


(286,940
)

(90,962
)Payments on capitalized lease
obligations





(18,437
)Net cash used in financing
activities


(281,925
)

(109,399
)Net increase in cash and cash
equivalents


284,178


486,932Cash and cash equivalents at
beginning of
 period


2,973,263


2,467,520Cash and cash equivalents at end
of period

$
3,257,441

$
2,954,452See accompanying condensed notes to financial
statements.

5

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

(1) Basis of
Presentation

The condensed financial statements included herein have been
prepared
by CreditRiskMonitor.com, Inc. (the Company or CRM), without audit,
pursuant to the rules and regulations of the Securities and Exchange Commission
(the SEC). Certain information and footnote disclosures normally included in
financial statements prepared in accordance with accounting principles
generally accepted in the United States of America (GAAP) have been condensed
or omitted pursuant to such rules and regulations, although the Company
believes that the disclosures herein are adequate to make the information
presented not misleading. The December 31, 2007 balance sheet has been derived
from the audited financial statements at that date, but does not include all
disclosures required by GAAP. These financial statements should be read in
conjunction with the audited financial statements and the notes thereto in the
Companys annual report on Form 10-KSB for the year ended December 31, 2007.

In the opinion of the Company, the unaudited financial statements
reflect all adjustments (consisting of normal recurring adjustments) considered
necessary to present fairly the Companys financial position, results of
operations and cash flows for the periods presented. Results of operations for
the three and nine months ended September 30, 2008 are not necessarily
indicative of the results that may be expected for the full year.

(2) Stock-Based Compensation

The Company
applies Statement
of Financial Accounting Standards (SFAS) No. 123 (revised 2004),
Share-Based Payment (SFAS 123R) to
account for stock-based compensation.

The following table summarizes the
stock-based compensation expense for stock options that was recorded in the
Companys results of operations in accordance with SFAS 123R for the three and
nine months ended September 30:

3 Months Ended
 September 30,

9 Months Ended
 September 30,2008

2007

2008

2007Data and
 product costs

$
1,952

$
1,953

$
5,857

$
5,858Selling,
general and administrative
 expenses


11,522


8,929


34,565


25,158$
13,474

$
10,882

$
40,422

$
31,016(3) Other
Recently Issued Accounting Standards

The Financial Accounting Standards Board and the SEC had issued
certain
accounting pronouncements as of September 30, 2008 that will become effective
in subsequent periods; however, management does not believe that any of those
pronouncements would have significantly affected our financial accounting
measurements or disclosures had they been in effect during the interim periods
for which financial statements are included in this quarterly report.

6

Management also believes those pronouncements will not have a
significant effect on our future financial position or results of operations.

(4) Net Income
Per
Share

Basic net income per share is based on the
weighted average number of common shares outstanding. Diluted net income per
share is based on the weighted average number of common shares outstanding and
the dilutive effect of outstanding stock options:

3 Months Ended
 September 30,

9 Months EndedSeptember 30,2008

2007

2008

2007Weighted average shares
outstanding
  basic


7,709,139


7,694,462


7,699,466


7,694,462Potential shares exercisable
under
 stock option plans


527,500


695,500


647,500


695,500LESS: Shares which could be
 repurchased under treasury stock method


(388,179
)

(245,681
)

(338,990
)

(260,087
)Weighted average shares
outstanding
  diluted


7,848,460


8,144,281


8,007,976


8,129,875The diluted earnings per share calculation
for the three and nine months ended September 30, 2008 excluded 55,000 shares
related to stock options as the exercise price of these options was greater
than their average market value, which would result in an anti-dilutive effect
on diluted earnings per share.

(5) Promissory Note

In April 2008, the Company prepaid, without
penalty, the remaining $254,000 balance on the promissory note related to the
January 1999 purchase of the CreditRisk Monitor credit information service from
Market Guide Inc. This note provided for periodic monthly payments with the
last payment due on December 31, 2009.

(6) Deferred Compensation

In April 2008, the Company paid in full the
remaining deferred compensation of $58,890 owed to its Chairman and Chief
Executive Officer.

7

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

BUSINESS ENVIRONMENT

The continuing uncertainty in the worldwide
financial system has negatively impacted general business conditions. It is
possible that a weakening economy could adversely affect our clients need for
credit information, or even their solvency, but we cannot predict whether or to
what extent this will occur. To the contrary, monthly bookings of new business
subscriptions for September 2008 were the highest in the Companys history
supporting our belief that the need for credit information is non-cyclical (see
discussion on Non-cyclical found on page 4 of our 2007 Form 10-KSB).

FINANCIAL CONDITION, LIQUIDITY AND CAPITAL RESOURCES

At September 30,
2008, the Company had cash and cash equivalents of $3.26 million compared to
$2.97 million at December 31, 2007. The Company had a working capital deficit
(i.e., total current liabilities in excess of total current assets) of approximately
$34,000 at September 30, 2008 compared to working capital of approximately
$44,000 at December 31, 2007. This decrement in working capital is the result
of the Companys prepayment of its promissory note as well as the remaining
deferred compensation balance owed, both of these actions having occurred in
April 2008. The Companys
cash ratio (which measures
a companys ability to pay its current bills and is computed by dividing cash
and cash equivalents by total current liabilities) and its current ratio (which measures a
companys ability to meet its current obligations and is computed by dividing total current assets by total
current liabilities) remained relatively stable from December 31, 2007 to September 30, 2008. Additionally, the main component of
current liabilities at September 30, 2008 is deferred revenue of $3.83 million,
which should not require significant future cash outlay other than the cost of
preparation and delivery of the applicable commercial credit reports which cost
much less than the deferred revenue shown. The deferred revenue is recognized
as income over the subscription term, which approximates twelve months. The Company has no bank lines of credit or other
currently available credit sources.

The Company believes that it will have sufficient resources to
meet its
working capital and capital expenditure needs for the foreseeable future.

OFF-BALANCE SHEET ARRANGEMENTS

The Company is not a party to any off-balance
sheet arrangements.

8

RESULTS OF
OPERATIONS

3 Months Ended September 30,2008

2007Amount

% of Total 
 Operating 
 Revenues

Amount

% of Total 
 Operating
 RevenuesOperating
 revenues

$
1,493,498


100.00
%
$
1,273,983


100.00
%Operating
 expenses:Data and
product costs


456,891


30.59
%

367,944


28.88
%Selling,
general and administrative
 expenses


909,565


60.90
%

738,751


57.99
%Depreciation
and amortization


19,818


1.33
%

16,089


1.26
%Total operating
expenses


1,386,274


92.82
%

1,122,784


88.13
%Income
 from operations


107,224


7.18
%

151,199


11.87
%Other
 income


6,821


0.46
%

25,220


1.98
%Interest
 expense


(80
)

(0.01
%)

(8,858
)

(0.70
%)Income
 before income taxes


113,965


7.63
%

167,561


13.15
%Provision
 for income taxes


880


0.06
%

4,129


0.32
%Net
 income

$
113,085


7.57
%
$
163,432


12.83
%Operating revenues increased 17% for the three months ended
September
30, 2008. This increase was primarily due to an increase in the number of
subscribers and increased revenue from existing subscribers to the Companys
Internet subscription service as the market became more aware of the Companys
enhanced service, offset in part by a decrease in the number of subscribers to
the Companys third-party international credit report subscription service.

Data and product costs increased 24% for the third quarter of 2008
compared to the same period of fiscal 2007. This increase was primarily due to
higher consulting fees, higher salary and related employee benefits, including
the hiring of an additional senior programmer, and the higher cost of
third-party content due to price increases.

Selling, general and administrative expenses increased 23% for the
third quarter of fiscal 2008 compared to the same period of fiscal 2007. This
increase was primarily due to higher salary and related employee benefit costs,
resulting from an increase in the Companys sales force during the past 12
months, and higher marketing expenses. New salespeople require a learning curve
to understand and sell the Companys service. Thus, there is a lag between the
increase in the Companys sales force and anticipated higher sales.

Depreciation and amortization increased 23% for the third quarter
of
fiscal 2008 compared to the same period of fiscal 2007. This increase is due to
a higher depreciable asset base reflecting the replacement of computer
equipment that had been in operation past its depreciable life.

Other income decreased 73% for third quarter of fiscal 2008
compared to
the same period last year. This decrease was due to a decrease in interest
rates.

Interest expense decreased 99% for the third quarter of fiscal 2008
compared to the same period of fiscal 2007. This decrease was primarily due to
the Company prepaying its long-term debt in April 2008.

9

Nine Months Ended September 30,2008

2007Amount

% of Total 
 Operating 
 Revenues

Amount

% of Total 
 Operating 
 RevenuesOperating
 revenues

$
4,263,138


100.00
%
$
3,665,960


100.00
%Operating
 expenses:Data and
product costs


1,335,862


31.33
%

1,197,246


32.66
%Selling,
general and administrative
 expenses


2,723,308


63.88
%

2,195,938


59.90
%Depreciation
and amortization


57,829


1.36
%

49,416


1.35
%Total operating
expenses


4,116,999


96.57
%

3,442,600


93.91
%Income
 from operations


146,139


3.43
%

223,360


6.09
%Other
 income


40,285


0.94
%

62,000


1.70
%Interest
 expense


(9,853
)

(0.23
%)

(29,584
)

(0.81
%)Income
 before income taxes


176,571


4.14
%

255,776


6.98
%Provision
 for income taxes


3,237


0.07
%

14,311


0.39
%Net
 income

$
173,334


4.07
%
$
241,465


6.59
%Operating revenues increased 16% for the nine months ended
September
30, 2008 versus the first nine months of 2007. This increase was primarily due
to an increase in the number of subscribers and increased revenue from existing
subscribers to the Companys Internet subscription service as the market became
more aware of the Companys enhanced service, offset in part by a decrease in
the number of subscribers to the Companys third-party international credit
report subscription service.

Data and product costs increased 12% for the first nine months of
fiscal 2008 compared to the same period of fiscal 2007. This increase was
primarily due to higher salary and related employee benefits, including the
hiring of additional quality control personnel, higher consulting fees as well
as the cost of new third-party content added to the Companys website.

Selling, general and administrative expenses increased 24% for the
first nine months of fiscal 2008 compared to the same period of fiscal 2007.
This increase was primarily due to higher salary and related employee benefit
costs, due to an increase in the Companys sales force during the past 12
months. New salespeople require a learning curve to understand and sell the
Companys service. Thus, there is a lag between the increase in the Companys
sales force and anticipated higher sales.

Depreciation and amortization increased by 17% for the first nine
months of fiscal 2008 compared to the same period of fiscal 2007. This increase
is due to a higher depreciable asset base reflecting the replacement of
computer equipment that had been in operation past its depreciable life.

Other income decreased 35% for the first nine months of fiscal 2008
compared to the same period last year. This decrease was due to a decrease in
interest rates.

Interest expense decreased 67% for the first nine months of fiscal
2008
compared to the same period of fiscal 2007. This decrease was primarily due to
the Company prepaying its long-term debt in April 2008, as well as a lower
outstanding long-term debt balance during the first quarter of 2008.

10

FUTURE
OPERATIONS

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

Due to the evolving nature of the markets in which it competes, the
Companys ability to accurately forecast its revenues, gross profits and
operating expenses as a percentage of net sales is limited. The Companys
current and future expense levels are based largely on its investment plans and
estimates of future revenues. To a large extent these costs do not vary with
revenue. Sales and operating results generally depend on the Companys ability
to attract and retain customers and the volume of and timing of customer
subscriptions for the Companys services, 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, service, marketing or acquisition decisions that could have a
material adverse effect on its business, prospects, financial condition and
results of operations.

Achieving greater profitability depends on the Companys
ability to
generate and sustain increased revenue levels. The Company believes that its
success will depend in large part on its ability to (i) increase its brand
awareness, (ii) provide its customers with outstanding value, thus encouraging
customer renewals, and (iii) achieve sufficient sales volume to realize
economies of scale. Accordingly, the Company intends to continue to increase
the size of its sales force, invest in product development, operating
infrastructure, marketing and promotion. There can be no assurance that the
Company will be able to achieve these objectives within a meaningful time
frame.

The Company expects to experience significant fluctuations in its
future quarterly operating results due to a variety of factors, some of which
are outside the Companys control. Factors that may adversely affect the
Companys quarterly operating results include, among others, (i) the Companys
ability to retain existing customers, attract new customers at a steady rate
and maintain customer satisfaction, (ii) the Companys ability to maintain
gross margins in its existing business and in future product lines and markets,
(iii) the development of new services and products by the Company and its
competitors, (iv) price competition, (v) the level of use of the Internet and
online services and increasing acceptance of the Internet and other online
services for the purchase of products such as those offered by the Company,
(vi) the Companys ability to upgrade and develop its systems and
infrastructure, (vii) the Companys ability to attract new personnel in a
timely and effective manner, (viii) the level of traffic on the Companys
website, (ix) the Companys ability to manage effectively its development of
new business segments and markets, (x) the Companys ability to successfully
manage the integration of operations and technology of acquisitions or other
business combinations, (xi) technical difficulties, system downtime or Internet
brownouts, (xii) the amount and timing of operating costs and capital
expenditures relating to expansion of the Companys business, operations and
infrastructure, (xiii) governmental regulation and taxation

11

policies,
(xiv) disruptions in service by common carriers due to strikes or otherwise,
(xv) risks of fire or other casualty, (xvi) litigation costs or other
unanticipated expenses, (xvii) interest rate risks and inflationary pressures,
and (xviii) general economic conditions and economic conditions specific to the
Internet and online commerce.

Due to the foregoing factors and the
Companys limited forecasting abilities, the Company believes that
period-to-period comparisons of its revenues and operating results are not
necessarily meaningful and should not be relied on as an indication of future
performance.

FORWARD-LOOKING STATEMENTS

This Quarterly
Report on Form 10-Q may contain forward-looking statements, including
statements regarding future prospects, industry trends, competitive conditions
and litigation 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 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.

Item 4T. Controls and Procedures

The Companys management, with the participation
of the Companys Chief Executive Officer and Chief Financial Officer, has
evaluated the effectiveness of the Companys disclosure controls and procedures
(as such term is defined in Rules 13a-15(e) and 15d-15(e) under the Securities
Exchange Act of 1934, as amended) as of the end of the period covered by this
report. Based on that evaluation, the Companys Chief Executive Officer and
Chief Financial Officer have concluded that, as of the end of such period, the
Companys disclosure controls and procedures are effective.

There have not
been any changes in the Companys internal control over financial reporting (as
such term is defined in Rules 13a-15(f) and 15d-15(f) under the Securities
Exchange Act of 1934, as amended) during our most recent fiscal quarter that
have materially affected, or are reasonably likely to materially affect, the
Companys internal control over financial reporting.

12

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 2002.13

SIGNATURES

Pursuant to
the requirements of the Securities Exchange Act of 1934, the registrant has
duly caused this report to be signed on its behalf by the undersigned thereunto
duly authorized.

CREDITRISKMONITOR.COM,
 INC.(REGISTRANT)Date:  
 November 14, 2008
By:
/s/
Lawrence
 FensterstockLawrence
 FensterstockChief
 Financial Officer14