EXHIBIT 31.2 CERTIFICATION OF CHIEF FINANCIAL OFFICER
PURSUANT
TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 I, Lawrence
Fensterstock, certify that: 1.
I have
  reviewed this quarterly report on Form 10-QSB of CreditRiskMonitor.com, Inc.;2.
Based on my
  knowledge, this report does not contain any untrue statement of a material
  fact or omit to state a material fact necessary to make the statements made,
  in light of the circumstances under which such statements were made, not
  misleading with respect to the period covered by this report;3.
Based on my
  knowledge, the financial statements, and other financial information included
  in this report, fairly present in all material respects the financial
  condition, results of operations and cash flows of the small business issuer
  as of, and for, the periods presented in this report;4.
The small
  business issuers other certifying officer and I are responsible for
  establishing and maintaining disclosure controls and procedures (as defined
  in Exchange Act Rules 13a-15(e) and 15d-15(e)) [***Omitted pursuant to
  extended compliance period] for the small business issuer and have:a)
Designed
  such disclosure controls and procedures, or caused such disclosure controls
  and procedures to be designed under our supervision, to ensure that material
  information relating to the small business issuer, including its consolidated
  subsidiaries, is made known to us by others within those entities,
  particularly during the period in which this report is being prepared;b)
[***Omitted
  pursuant to extended compliance period];c)
Evaluated
  the effectiveness of the small business issuers disclosure controls and
  procedures and presented in this report our conclusions about the
  effectiveness of the disclosure controls and procedures, as of the end of the
  period covered by this report based on such evaluation; andd)
Disclosed in
  this report any change in the small business issuers internal controls over
  financial reporting that occurred during the small business issuers most
  recent fiscal quarter (the small business issuers fourth fiscal quarter in
  the case of an annual report) that has materially affected, or is reasonably
  likely to materially affect, the small business issuers internal control
  over financial reporting; and5.
The small
  business issuers other certifying officer and I have disclosed, based on our
  most recent evaluation of internal control over financial reporting, to the
  small business issuers auditors and the 19   audit
  committee of the small business issuers board of directors (or persons
  performing the equivalent function):a)
All
  significant deficiencies and material weaknesses in the design or operation
  of internal control over financial reporting which are reasonably likely to
  adversely affect the small business issuers ability to record, process,
  summarize and report financial information; andb)
Any fraud,
  whether or not material, that involves management or other employees who have
  a significant role in the small business issuers internal controls over
  financial reporting.Date: August
  14, 2006
By: /s/
Lawrence
  FensterstockLawrence
  FensterstockChief
  Financial Officer20