|                                                                             
|-----------------------------------------------------------------------------
|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, 2006
|                                                   
|o                                                   | 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                                                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                       
|(State or other jurisdiction of  
    incorporation or organization)                                                                                                                                                                                                                                   
|                                                                                                                                                                                                                                                                                                       
|704 Executive Boulevard, Suite A                                                                                                                                                                                                                                                                       
|Valley Cottage, New York 10989                                                                                                                                                                                                                                                                         
|                                                                                                                                                                                                                                                                                                       
|(Address of principal executive offices)                                                                                                                                                                                                                                                               
|                                                                                                                                                                                                                                                                                                       
|(845) 230-3000                                                                                                                                                                                                                                                                                         
|                                                                                                                                                                                                                                                                                                       
|(Issuers telephone number)                                                                                                                                                                                                                                                                            
|                                                                                                                                                                                                                                                                                                       
|Check whether the issuer (1) filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act during the past 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                                                                                                                                                                                                                                                                                           
|                                                                                                                                                                                                                                                                                                       
|Indicated 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 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 o   No o                                                                                                                                                                                                                                                                                           
|                                                                                                                                                                                                                                                                                                       
|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  7,679,462 shares outstanding as of November 10, 2006.                                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                       
|                                                                                                                                                                                                                                                                                                       
|Transitional Small Business Disclosure Format (check one):   Yes o   No x                                                                                                                                                                                                                              

|
|



|CREDITRISKMONITOR.COM, INC. AND SUBSIDIARY
|------------------------------------------
|INDEX                                     
|                                          

|                              |                                                                                              | **Page**                                                                                            |   
|----------------------------- | -------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------- | --
|                              |                                                                                              |                                                                                                     |   
|PART I. FINANCIAL INFORMATION |                                                                                              |                                                                                                     |   
|                              |                                                                                              |                                                                                                     |   
|                              | Item 1. Financial Statements (Unaudited)                                                     |                                                                                                     |   
|                              |                                                                                              |                                                                                                     |   
|                              |                                                                                              | Consolidated Balance Sheets  September 30, 2006 and 
      December 31, 2005                       |   
|                              |                                                                                              |                                                                                                     |   
|                              |                                                                                              | Consolidated Statements of Operations for the Three Months 
      Ended September 30, 2006 and 2005 |   
|                              |                                                                                              |                                                                                                     |   
|                              |                                                                                              | Consolidated Statements of Operations for the Nine Months 
      Ended September 30, 2006 and 2005  |   
|                              |                                                                                              |                                                                                                     |   
|                              |                                                                                              | Consolidated Statements of Cash Flows for the Nine Months 
      Ended September 30, 2006 and 2005  |   
|                              |                                                                                              |                                                                                                     |   
|                              |                                                                                              | Notes to Consolidated Financial Statements                                                          |   
|                              |                                                                                              |                                                                                                     |   
|                              | Item 2. Managements Discussion and Analysis of Financial Conditionand Results of Operations |                                                                                                     | 10
|                              |                                                                                              |                                                                                                     |   
|                              | Item 3. Controls and Procedures                                                              |                                                                                                     | 14
|                              |                                                                                              |                                                                                                     |   

|PART II. OTHER INFORMATION |                                                                                       |  |   
|-------------------------- | ------------------------------------------------------------------------------------- |  | --
|                           |                                                                                       |  |   
|                           | Item 2. Changes in Securities and Small Business Issuer Purchasesof Equity Securities |  | 15
|                           |                                                                                       |  |   
|                           | Item 6. Exhibits                                                                      |  | 15
|                           |                                                                                       |  |   

|SIGNATURES |  | 16                                                                                                                                                              | 
|---------- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------- | 
|           |  |                                                                                                                                                                 | 
|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 | 

|1
|-



|PART I. FINANCIAL INFORMATION             
|------------------------------------------
|                                          
|Item 1. Financial Statements              
|                                          
|CREDITRISKMONITOR.COM, INC. AND SUBSIDIARY
|CONSOLIDATED BALANCE SHEETS               
|SEPTEMBER 30, 2006 AND DECEMBER 31, 2005  
|(Unaudited)                               
|                                          

|                                                                                                             | Sept. 30,
      2006 |             | Dec. 31,
      2005 |  
|------------------------------------------------------------------------------------------------------------ | -------------------- | ----------- | ------------------- | -
|
|
|                                                                                                             |                      |             |                     |  
|ASSETS                                                                                                       |                      |             |                     |  
|Current assets:                                                                                              |                      |             |                     |  
|Cash and cash equivalents                                                                                    | $                    | 2,290,216   |                     | $
|Accounts receivable, net of allowance                                                                        |                      | 467,432     |                     |  
|Other current assets                                                                                         |                      | 159,831     |                     |  
|
|                                                                                                            
|Total current assets                                                                                         |                      | 2,917,479   |                     |  
|                                                                                                             |                      |             |                     |  
|Property and equipment, net                                                                                  |                      | 126,668     |                     |  
|Goodwill                                                                                                     |                      | 1,954,460   |                     |  
|Prepaid and other assets                                                                                     |                      | 26,057      |                     |  
|
|                                                                                                            
|Total assets                                                                                                 | $                    | 5,024,664   |                     | $
|
|                                                                                                             |                      |             |                     |  
|LIABILITIES AND STOCKHOLDERS EQUITY                                                                         |                      |             |                     |  
|Current liabilities:                                                                                         |                      |             |                     |  
|Deferred revenue                                                                                             | $                    | 2,751,509   |                     | $
|Accounts payable                                                                                             |                      | 62,921      |                     |  
|Accrued expenses                                                                                             |                      | 205,262     |                     |  
|Current portion of long-term debt                                                                            |                      | 119,760     |                     |  
|Current portion of capitalized lease obligations                                                             |                      | 25,324      |                     |  
|
|                                                                                                            
|Total current liabilities                                                                                    |                      | 3,164,776   |                     |  
|
|                                                                                                            
|Long-term debt, net of current portion:                                                                      |                      |             |                     |  
|Promissory note                                                                                              |                      | 318,848     |                     |  
|Capitalized lease obligations                                                                                |                      |            |                     |  
|
|                                                                                                             |                      | 318,848     |                     |  
|Other liabilities                                                                                            |                      | 97,537      |                     |  
|
|                                                                                                            
|Total liabilities                                                                                            |                      | 3,581,161   |                     |  
|
|                                                                                                            
|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 7,679,462 shares |                      | 76,794      |                     |  
|Additional paid-in capital                                                                                   |                      | 28,145,084  |                     |  
|Accumulated deficit                                                                                          |                      | (26,778,375 | )                   |  
|
|                                                                                                            
|Total stockholders equity                                                                                   |                      | 1,443,503   |                     |  
|
|                                                                                                            
|Total liabilities and stockholders equity                                                                   | $                    | 5,024,664   |                     | $
|

|                                                            
|------------------------------------------------------------
|See accompanying notes to consolidated financial statements.

|2
|-



|CREDITRISKMONITOR.COM, INC. AND SUBSIDIARY            
|------------------------------------------------------
|CONSOLIDATED STATEMENTS OF OPERATIONS                 
|FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2006 AND 2005
|(Unaudited)                                           
|                                                      

|                                                            | 2006 |           | 2005 |  
|----------------------------------------------------------- | ---- | --------- | ---- | -
|
|                                                            |      |           |      |  
|Operating revenues                                          | $    | 1,084,838 |      | $
|                                                            |      |           |      |  
|                                                           
|Operating expenses:                                         |      |           |      |  
|Data and product costs                                      |      | 316,397   |      |  
|Selling, general and administrative expenses                |      | 678,013   |      |  
|Depreciation and amortization                               |      | 16,794    |      |  
|
|                                                           
|Total operating expenses                                    |      | 1,011,204 |      |  
|
|                                                           
|Income (loss) from operations                               |      | 73,634    |      |  
|Other income                                                |      | 18,349    |      |  
|Interest expense                                            |      | (12,674   | )    |  
|
|                                                           
|Income (loss) before income taxes                           |      | 79,309    |      |  
|Provision for state and local income taxes                  |      | 517       |      |  
|
|                                                           
|Net income (loss)                                           | $    | 78,792    |      | $
|
|                                                            |      |           |      |  
|Net income (loss) per share of common stock:                |      |           |      |  
|                                                            |      |           |      |  
|Basic                                                       | $    | 0.01      |      | $
|Diluted                                                     | $    | 0.01      |      | $
|                                                            |      |           |      |  
|Weighted average number of common shares
      outstanding: |      |           |      |  
|                                                            |      |           |      |  
|Basic                                                       |      | 7,679,462 |      |  
|Diluted                                                     |      | 7,933,052 |      |  

|                                                            
|------------------------------------------------------------
|See accompanying notes to consolidated financial statements.

|3
|-



|CREDITRISKMONITOR.COM, INC. AND SUBSIDIARY           
|-----------------------------------------------------
|CONSOLIDATED STATEMENTS OF OPERATIONS                
|FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2006 AND 2005
|(Unaudited)                                          
|                                                     

|                                                            | 2006 |           | 2005 |  
|----------------------------------------------------------- | ---- | --------- | ---- | -
|
|                                                            |      |           |      |  
|Operating revenues                                          | $    | 3,171,089 |      | $
|
|                                                           
|Operating expenses:                                         |      |           |      |  
|Data and product costs                                      |      | 1,009,400 |      |  
|Selling, general and administrative expenses                |      | 2,169,792 |      |  
|Depreciation and amortization                               |      | 49,997    |      |  
|
|                                                           
|Total operating expenses                                    |      | 3,229,189 |      |  
|
|                                                           
|Loss from operations                                        |      | (58,100   | )    |  
|Other income                                                |      | 49,713    |      |  
|Gain on settlement of litigation                            |      |          |      |  
|Interest expense                                            |      | (40,824   | )    |  
|
|                                                           
|Income (loss) before income taxes                           |      | (49,211   | )    |  
|Provision for state and local income taxes                  |      | 4,262     |      |  
|
|                                                           
|Net income (loss)                                           | $    | (53,473   | )    | $
|
|                                                            |      |           |      |  
|Net income (loss) per share of common stock:                |      |           |      |  
|                                                            |      |           |      |  
|Basic and diluted                                           | $    | (0.01     | )    | $
|                                                            |      |           |      |  
|Weighted average number of common shares
      outstanding: |      |           |      |  
|                                                            |      |           |      |  
|Basic and diluted                                           |      | 7,679,462 |      |  

|                                                            
|------------------------------------------------------------
|See accompanying notes to consolidated financial statements.

|4
|-



|CREDITRISKMONITOR.COM, INC. AND SUBSIDIARY           
|-----------------------------------------------------
|CONSOLIDATED STATEMENTS OF CASH FLOWS                
|FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2006 AND 2005
|(Unaudited)                                          
|                                                     

|                                                                                                  | 2006 |           | 2005 |  
|------------------------------------------------------------------------------------------------- | ---- | --------- | ---- | -
|
|                                                                                                  |      |           |      |  
|Cash flows from operating activities:                                                             |      |           |      |  
|Net income (loss)                                                                                 | $    | (53,473   | )    | $
|Adjustments to reconcile net income (loss) to
         net cash provided by operating activities: |      |           |      |  
|Depreciation                                                                                      |      | 49,997    |      |  
|Deferred rent                                                                                     |      | 1,725     |      |  
|Stock-based compensation                                                                          |      | 22,701    |      |  
|Changes in operating assets and liabilities:                                                      |      |           |      |  
|Accounts receivable                                                                               |      | 191,171   |      |  
|Other current assets                                                                              |      | 31,306    |      |  
|Prepaid and other assets                                                                          |      | 7,797     |      |  
|Deferred revenue                                                                                  |      | 143,940   |      |  
|Accounts payable                                                                                  |      | (62,669   | )    |  
|Accrued expenses                                                                                  |      | 47,586    |      |  
|
|                                                                                                 
|Net cash provided by operating activities                                                         |      | 380,081   |      |  
|
|                                                                                                 
|Cash flows from investing activities:                                                             |      |           |      |  
|Purchase of property and equipment                                                                |      | (22,976   | )    |  
|
|                                                                                                 
|Net cash used in investing activities                                                             |      | (22,976   | )    |  
|
|                                                                                                 
|Cash flows from financing activities:                                                             |      |           |      |  
|Payments on promissory note                                                                       |      | (82,095   | )    |  
|Payments on capital lease obligations                                                             |      | (19,580   | )    |  
|
|                                                                                                 
|Net cash used in financing activities                                                             |      | (101,675  | )    |  
|
|                                                                                                 
|Net increase in cash and cash equivalents                                                         |      | 255,430   |      |  
|Cash and cash equivalents at beginning of period                                                  |      | 2,034,786 |      |  
|
|                                                                                                 
|Cash and cash equivalents at end of period                                                        | $    | 2,290,216 |      | $
|

|                                                            
|------------------------------------------------------------
|See accompanying notes to consolidated financial statements.

|5
|-



|CREDITRISKMONITOR.COM, INC. AND SUBSIDIARY
|------------------------------------------
|NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
|(Unaudited)                               
|                                          

|(1)    Basis of
      Presentation
      The
      consolidated 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. Certain information and footnote disclosures normally included
      in consolidated financial statements prepared in accordance with
      accounting principles generally accepted in the United States 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 balance sheet at December 31, 2005 has been derived from the audited financial statements at that date but does not include all of the
information and notes required by accounting principles generally accepted in the United States for complete financial statements. 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, 2005.
      In the
      opinion of the Company, the unaudited consolidated financial statements
      reflect all adjustments (consisting of normal recurring adjustments)
      considered necessary to present fairly the Companys financial position as
      of September 30, 2006 and its results of operations and cash flows for the
      periods ended September 30, 2006 and 2005.
      Results
      of operations for the three and nine-month periods ended September 30,
      2006 and 2005 are not necessarily indicative of the results of a full
      year.
      Certain
      prior year amounts have been reclassified to conform with the fiscal 2006
      presentation.
      (2)    Stock-Based
      Compensation
      The
      Companys 1998 Long-Term Incentive Plan authorizes the grant of incentive
      stock options, non-qualified stock options, stock appreciation rights
      (SARs), restricted stock, bonus stock, and performance shares to
      employees, consultants, and non-employee directors of the Company. The
      exercise price of each option shall not be less than the fair market value
      of the common stock at the date of grant. The total number of the
      Companys shares that may be awarded under this plan is 1,500,000 shares
      of common stock. At September 30, 2006, there were options
      outstanding for 710,500 shares of common stock under this plan.
      Options
      expire on the date determined, but not more than ten years from the date
      of grant. The plan terminates ten years from the date of stockholder
      approval. All of the options granted may be exercised after three years in
      installments upon the Company attaining certain specified gross revenue
      and pre-tax margin objectives, unless such objectives are modified in the
      sole discretion of the Board of Directors. No modifications to these
      criteria have been made.
      Notwithstanding that the objectives may not be met in whole or in
      part, these options will vest in full on a date that is two years prior to
      the expiration date of the option or, in the event of a change in control
      (as defined), will vest in full at the time of such change in
    control.
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|6
|-



|Prior
      to January 1, 2006 the Company accounted for stock-based compensation
      under the Financial Accounting Standards Boards (FASB) Statement of
      Financial Accounting Standards (SFAS) No. 123 Accounting for
      Stock-Based Compensation (SFAS 123). As permitted under this standard,
      compensation cost for options granted to employees was recognized using
      the intrinsic value method in accordance with the provisions of Accounting
      Principles Board Opinion No. 25, Accounting for Stock Issued to
      Employees (APB 25) and related interpretations. Effective January 1,
      2006, the Company has adopted SFAS No. 123R, Share-Based Payment (SFAS
      123R) using the modified-prospective transition method. Under this
      transition method, compensation cost recognized for the three and
      nine-month periods ended September 30, 2006 includes (a) compensation
      cost for all share-based payments granted prior to, but not yet vested as
      of December 31, 2005, based on the grant date fair value estimated in
      accordance with the original provisions of SFAS 123, and (b) compensation
      cost for all share-based payments granted on or subsequent to January 1,
      2006, based on the grant date fair value estimated in accordance with the
      provisions of SFAS 123R. Results for prior periods have not been restated.
      In March 2005, the Securities and Exchange Commission (SEC) issued Staff
      Accounting Bulletin No. 107, which expresses views of the SEC staff and
      provides interpretive guidance regarding the application of SFAS
      123R.
      APB 25
      did not require any compensation expense to be recorded in the financial
      statements if the exercise price of the award was not less than the market
      price on the date of grant. Since all options granted by the Company had
      exercise prices equal to or greater than the market price on the date of
      grant, no compensation expense was recognized for stock option grants
      prior to January 1, 2006.
      For the
      three and nine months ended September 30, 2006, the Company recognized
      stock-based compensation expense of $7,567 and $22,701, respectively,
      related to outstanding stock options according to the provisions of SFAS
      123R, using the modified-prospective transition method.
      Prior
      to the adoption of SFAS 123R and for the three and nine months ended
      September 30, 2006, no tax benefits from the exercise of stock options
      have been recognized as no options have been exercised. Any future excess
      tax benefits derived from the exercise of stock options will be recorded
      prospectively and reported as cash flows from financing activities in
      accordance with SFAS 123R.
      The
      following table illustrates the pro forma effect on operating results and
      per share information had the Company accounted for employee stock-based
      compensation in accordance with SFAS 123 for the three and nine months
      ended September 30, 2005:
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|7
|-



|                                                                                                                                                                                                  | 3 Months
Ended 
9/30/05 |         | 9 Months 
Ended 
9/30/05 |  
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------- | ------- | ------------------------ | -
|
|                                                                                                                                                                                                  |                         |         |                          |  
|Net income (loss)                                                                                                                                                                                 |                         |         |                          |  
|As reported                                                                                                                                                                                       | $                       | (8,217  | )                        | $
|Less: Total stock-based employee compensation
               expense determined under fair value based
               method for all awards, net of related
              tax benefits or effects |                         | 11,188  |                          |  
|
|                                                                                                                                                                                                 
|Pro forma                                                                                                                                                                                         | $                       | (19,405 | )                        | $
|
|                                                                                                                                                                                                 
|Net income (loss) per share  basic and diluted                                                                                                                                                   |                         |         |                          |  
|As reported                                                                                                                                                                                       | $                       | (0.00   | )                        | $
|Pro forma                                                                                                                                                                                         | $                       | (0.00   | )                        | $

|                                                                                                                                                                                                                                                      
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|The
      above pro forma stock-based employee compensation cost was determined
      under the fair value based method and was calculated using the
      Black-Scholes option valuation model with the following
      weighted-average assumptions:
|                                                                                                                                                                                                                                                      

|                                                          | 3 Months 
      Ended 
      9/30/05 |      | 9 Months
      Ended 
      9/30/05 | 
|--------------------------------------------------------- | ------------------------------------ | ---- | ----------------------------------- | 
|
|                                                          |                                      |      |                                     | 
|Risk-free interests rate                                  |                                      | 4.22 | %                                   | 
|Dividend yield                                            |                                      | 0.00 | %                                   | 
|Volatility factor                                         |                                      | 2.53 |                                     | 
|Weighted-average expected life of
     options (in years) |                                      | 9    |                                     | 

|                                                                                                                               
|-------------------------------------------------------------------------------------------------------------------------------
|The
      table below summarizes stock option activity pursuant to our plan for the
      nine months ended September 30, 2006:
|                                                                                                                               

|                                   | Shares |         | Weighted-
      Average 
      Exercise 
      Price |   | Weighted 
      Average 
      Remaining 
      Contractual
      Term 
      (in years) |  | Aggregate 
      Intrinsic 
      Value |     
|---------------------------------- | ------ | ------- | ---------------------------------------------------- | - | ---------------------------------------------------------------------------------------- |  | --------------------------------------- | ----
|
|                                   |        |         |                                                      |   |                                                                                          |  |                                         |     
|Outstanding at beginning of period |        | 737,500 |                                                      | $ | 0.9461                                                                                   |  |                                         |     
|Granted                            |        |        |                                                      |   |                                                                                         |  |                                         |     
|Exercised                          |        |        |                                                      |   |                                                                                         |  |                                         |     
|Cancelled                          |        | (27,000 | )                                                    | $ | 3.8704                                                                                   |  |                                         |     
|
|                                  
|Outstanding at end of period       |        | 710,500 |                                                      | $ | 0.8406                                                                                   |  |                                         | 6.47
|
|                                  
|Exercisable at end of period       |        | 165,000 |                                                      | $ | 0.0910                                                                                   |  |                                         | 1.75
|
|                                  

|                                                                                                                                                                                                                                                                                    
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|As of
      September 30, 2006, there was $190,067 of total unrecognized compensation
      cost related to nonvested share-based compensation arrangements granted
      under the Plan. That cost is expected to be recognized over a
      weighted-average period of 4.53 years.

|8
|-



|The
      following tables summarize the range of exercise prices and the weighted
      average remaining contractual life of the options outstanding and the
      range of exercise prices for the options exercisable at September 30,
      2006:
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|                                                                                                                                                                                                                                                      

|                    |  | Options Outstanding |         | Options Exercisable | 
|------------------- |  | ------------------- | ------- | ------------------- | 
|
|
|
|                    |  |                     |         |                     | 
|$ 0.0001 - $ 0.9900 |  |                     | 150,000 |                     | 
|$ 1.0000 - $ 1.2000 |  |                     | 461,500 |                     | 
|$ 1.2100 - $ 1.6500 |  |                     | 99,000  |                     | 
|                    |  |                     |         |                     | 
|                   
|                    |  |                     | 710,500 |                     | 
|                    |  |                     |         |                     | 

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(3)   Other Recently Issued Accounting Standards
      The
      FASB and the SEC had issued certain accounting pronouncements as of
      September 30, 2006 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.
      (4)   Net Income (Loss) Per Share
      The
      computation of diluted net income (loss) per share excludes the effects of
      the assumed exercise of options for the following periods, since their
      inclusion would be anti-dilutive: during the three months ended September
      30, 2005 and nine months ended September 30, 2006, 678,000 and 710,500
      options, respectively, were excluded because the Company had losses in
      those periods, and during the nine months ended September 30, 2005, all of
      the 546,500 options outstanding were excluded as their average exercise
    price was above market value.

|9
|-



|Item    2.   Managements Discussion and Analysis of Financial Condition and Results of
      Operations
      FINANCIAL CONDITION, LIQUIDITY AND CAPITAL RESOURCES
      At
      September 30, 2006, the Company had cash and cash equivalents of $2.29
      million compared to $2.03 million at December 31, 2005. The Companys
      working capital deficit at September 30, 2006 was approximately $247,000
      compared to a working capital deficit of approximately $144,000 at
      December 31, 2005, due primarily to a decrease of $191,000 in accounts
      receivable, an increase of $144,000 in deferred revenue, a net increase of
      $55,000 in accrued expenses and current portion of debt and a decrease of
      $31,000 in other current assets offset somewhat by an increase of $255,000
      in cash and a decrease of $63,000 in accounts payable. Additionally, the
      working capital deficit at September 30, 2006 is mainly derived from $2.75
      million in deferred revenue, which should not require any future cash
      outlay other than the cost of preparation and delivery of the applicable
      commercial credit reports. 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, including debt service, for
      the foreseeable future.
      OFF-BALANCE SHEET
      ARRANGEMENTS
      The Company is not a
      party to any off-balance sheet arrangements.
      RESULTS
    OF OPERATIONS
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      

|                                  | Three Months Ended September 30, |          
|--------------------------------- | -------------------------------- | ---------
|
|
|
|
|
|                                 
|Operating revenues                | $                                | 1,084,838
|                                  |                                  |          
|                                 
|Operating expenses:               |                                  |          
|Data and product costs            |                                  | 316,397  
|Selling, general & administrative |                                  | 678,013  
|Depreciation and amortization     |                                  | 16,794   
|                                  |                                  |          
|Total operating expenses          |                                  | 1,011,204
|                                  |                                  |          
|                                 
|Income (loss) from operations     |                                  | 73,634   
|Other income                      |                                  | 18,349   
|Interest expense                  |                                  | (12,674  
|                                  |                                  |          
|                                 
|Income (loss) before income taxes |                                  | 79,309   
|Provision for income taxes        |                                  | 517      
|                                  |                                  |          
|                                 
|Net income (loss)                 | $                                | 78,792   
|                                  |                                  |          

|                                                                                                                                                                                                                                                                                                                                                                                      
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Operating revenues increased 10% for the three months ended
      September 30, 2006. This increase was primarily due to an increase in the
      number of subscribers to the Companys Internet subscription service
      offset in part by a decrease in the number of subscribers to the Companys
      subscription service for third-party international credit
      reports.

|10
|--



|Data
      and product costs increased 5% for the third quarter of 2006 compared to
      the same period of fiscal 2005. This increase was primarily due to higher
      salary and related employee benefits, including the hiring of additional
      quality control personnel, offset in part by the lower cost of acquiring
      additional third-party international credit reports.
      Selling, general and administrative expenses increased 1% for the
      third quarter of fiscal 2006 compared to the same period of fiscal 2005.
      This increase was primarily due to higher salary and related employee
      benefit costs as the result of an increase in the Companys sales force
      during the past 12 months and an increase in professional fees due to
      higher audit fees, partially offset by a decrease in marketing
      expenses.
      Depreciation and amortization increased less than 1% for the third
      quarter of fiscal 2006 compared to the same period of fiscal 2005. This
      increase was due to a higher depreciable asset base during the quarter
      resulting from the purchase of new trade booths and computer equipment
      during the last 12 months, partially offset by lower depreciation expense
      during the fiscal 2006 period on certain items that have been fully
      depreciated but are still in use.
      Other
      income increased 85% for third quarter of fiscal 2006 compared to the same
      period last year. This increase was primarily due to a higher investment
      balance as well as a higher interest rate received on funds invested in
      interest bearing accounts during the current period compared to the same
      period last year.
      Interest expense decreased 21% for the third quarter of fiscal 2006
      compared to the same period of fiscal 2005. This decrease was primarily
      due to a lower outstanding promissory note balance.
      The
      Company reported net income of $79,000 versus a net loss of $8,000 for the
      three months ended September 30, 2006 and 2005,
  respectively.
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|                                  |   |          
|--------------------------------- | - | ---------
|
|
|
|
|
|
|                                 
|Operating revenues                | $ | 3,171,089
|                                  |   |          
|                                 
|Operating expenses:               |   |          
|Data and product costs            |   | 1,009,400
|Selling, general & administrative |   | 2,169,792
|Depreciation and amortization     |   | 49,997   
|                                  |   |          
|Total operating expenses          |   | 3,229,189
|                                  |   |          
|                                 
|Loss from operations              |   | (58,100  
|Other income                      |   | 49,713   
|Gain on settlement of litigation  |   |         
|Interest expense                  |   | (40,824  
|                                  |   |          
|                                 
|Income (loss) before income taxes |   | (49,211  
|Provision for income taxes        |   | 4,262    
|                                  |   |          
|                                 
|Net income (loss)                 | $ | (53,473  
|                                  |   |          

|                                                                                                                                                                                                                                                         
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Operating revenues increased 12% for the nine months ended
      September 30, 2006 versus the same period of fiscal 2005. This increase
      was primarily due to an increase in the number of subscribers to the
      Companys Internet subscription

|11
|--



|service
      offset in part by a decrease in the number of subscribers to the Companys
      subscription service for third-party international credit
      reports.
      Data
      and product costs increased 24% for the first nine months of fiscal 2006
      compared to the same period of fiscal 2005. 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 4% for the
      first nine months of fiscal 2006 compared to the same period of fiscal
      2005. 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 and an increase in marketing expenses, partially
      offset by a decrease in professional fees as a result of the settlement of
      the litigation that was reached during last years second quarter, as
      previously reported.
      Depreciation and amortization increased 1% for the first nine
      months of fiscal 2006 compared to the same period of fiscal 2005. This
      increase was due to a higher depreciable asset base during the current
      period resulting from the purchase of new trade booths and computer
      equipment during the last 12 months, partially offset by lower
      depreciation expense during the fiscal 2006 period on certain items that
      have been fully depreciated but are still in use.
      Other
      income increased 149% for the first nine months of fiscal 2006 compared to
      the same period last year. This increase was primarily due to the
      settlement proceeds received at the end of April 2005 that were invested
      in interest bearing accounts as well as a higher interest rate received on
      funds invested in interest bearing accounts during the current period
      compared to the same period last year.
      Interest expense decreased 20% for the first nine months of fiscal
      2006 compared to the same period of fiscal 2005. This decrease was due to
      a lower outstanding promissory note balance.
      The
      Company reported a net loss of $53,000 versus net income of $949,000 for
      the nine months ended September 30, 2006 and 2005, respectively. This
      decrease was primarily due to the litigation settlement of $1.1 million
      received in the second quarter of fiscal 2005.
      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.
      As a
      result of the Companys limited operating history and 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 their
      subscriptions for the Companys services, which are difficult to forecast.
      The Company may be
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|12
|--



|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 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 invest in marketing and promotion, product development and
      technology and operating infrastructure development. 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 Web site, (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 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-QSB may contain forward-looking statements,
      including statements regarding future prospects, industry trends,
      competitive
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|13
|--



|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 3. 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. Management is aware that there is a lack of segregation of
      duties due to the small number of employees dealing with general
      administrative and financial matters. However, management has decided that
      considering the employees involved and the control procedures in place,
      risks associated with such lack of segregation are insignificant and the
      potential benefit of adding employees to clearly segregate duties do not
      justify the expenses associated with such
  increase.
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|14
|--



|PART II. OTHER
      INFORMATION
      Item 2.   Changes in Securities and Small Business Issuer Purchases of Equity
      Securities
      The
      Company is prohibited from paying dividends pursuant to the Loan Security
      Agreement that secures its Secured Promissory Note with Market Guide
      Inc.
      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.

|15
|--



|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.
|----------------------- | ---------------------------
|                        |                            
|                        |                            
|Date: November 14, 2006 | By: /s/                    
|                        |                            
|                        |                            

|16
|--