-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 RIaZqZuDcJOsuDV4T93SVZU+TOBbSdG2nS3iDvmfPOKlSN6tGyKQ0IdiNZk8s8O8
 2lcgRf9zMhdsNULCJ30yog==

<SEC-DOCUMENT>0001005477-04-003164.txt : 20040827
<SEC-HEADER>0001005477-04-003164.hdr.sgml : 20040827
<ACCEPTANCE-DATETIME>20040827161442
ACCESSION NUMBER:		0001005477-04-003164
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040825
FILED AS OF DATE:		20040827
DATE AS OF CHANGE:		20040827

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			James Richard Joseph
		CENTRAL INDEX KEY:			0001299686

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08601
		FILM NUMBER:		041002692

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		516-620-5400

	MAIL ADDRESS:	
		STREET 1:		110 JERICHO TURNPIKE
		CITY:			FLORAL PARK
		STATE:			NY
		ZIP:			11001

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CREDITRISKMONITOR COM INC
		CENTRAL INDEX KEY:			0000315958
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-SERVICES, NEC [8900]
		IRS NUMBER:				362972588
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		110 JERICHO TURNPIKE SUITE 202
		CITY:			FLORAL PARK
		STATE:			NY
		ZIP:			11001-2019
		BUSINESS PHONE:		5166205400

	MAIL ADDRESS:	
		STREET 1:		110 JERICHO TURNPIKE SUITE 202
		CITY:			FLORAL PARK
		STATE:			NY
		ZIP:			11001-2019

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NEW GENERATION FOODS INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar123.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-08-25</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000315958</issuerCik>
        <issuerName>CREDITRISKMONITOR COM INC</issuerName>
        <issuerTradingSymbol>CRMZ</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001299686</rptOwnerCik>
            <rptOwnerName>James Richard Joseph</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>110 JERICHO TURNPIKE</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 202</rptOwnerStreet2>
            <rptOwnerCity>FLORAL PARK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>11001</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>37000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Directors NQ Stock Option</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>0.0001</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-08-25</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>36000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>3.60</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2002-01-19</value>
            </exerciseDate>
            <expirationDate>
                <value>2004-08-25</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>36000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <ownerSignature>
        <signatureName>/s/ Richard J. James</signatureName>
        <signatureDate>2004-08-27</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----