8-K

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549



                                    FORM 8-K

                                 CURRENT REPORT
                       Pursuant to Section 13 or 15(d) of
                       The Securities Exchange Act of 1934

                Date of Report (Date of earliest event reported)
                                November 15, 2004



                           CreditRiskMonitor.com, Inc.
             (Exact name of registrant as specified in its charter)


            Nevada                         1-8601                36-2972588
(State or other jurisdiction of   (Commission File Number)     (IRS Employer
        incorporation)                                       Identification No.)

                             704 Executive Boulevard
                            Valley Cottage, NY 10989
          (Address of principal executive offices, including zip code)

                                 (845) 230-3000
              (Registrant's telephone number, including area code)


                              110 Jericho Turnpike
                              Floral Park, NY 11001
          (Former name or former address, if changed since last report)

- --------------------------------------------------------------------------------
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

|_|  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

|_|  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))



Item 2.02. Results of Operations and Financial Condition.

On November 15, 2004, CreditRiskMonitor.com, Inc. issued a press release
relating to, among other things, its financial results for the third quarter of
2004. This press release is filed as Exhibit 99.1 to this Current Report on Form
8-K. The information contained in this Item 2.02 and Exhibit 99.1 shall not be
deemed "filed" for purposes of Section 18 of the Securities Exchange Act of
1934, nor shall it be deemed incorporated by reference in any filing under the
Securities Act of 1933.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits

         Exhibit No.       Description
         -----------       -----------

         99.1              Press Release issued on November 15, 2004



                                    SIGNATURE

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




                                              CREDITRISKMONITOR.COM, INC.



Date: November 15, 2004                       By: /s/ Lawrence Fensterstock
                                                  ---------------------------
                                                      Lawrence Fensterstock
                                                      Chief Financial Officer

EX-99.1

                                                                    Exhibit 99.1

         CreditRiskMonitor.com Reports First Quarterly Profit

    VALLEY COTTAGE, N.Y.--(BUSINESS WIRE)--Nov. 15,
2004--CreditRiskMonitor.com, Inc. (Symbol: CRMZ) today filed its Form
10-QSB for the quarter ended September 30, 2004.
    Larry Fensterstock, CFO, said "I'm pleased to announce that our
Company is finally able to report its first quarterly profit. Even
without subtracting out the legal fees of the ongoing litigation, CRM
has reached this milestone event in its operating history. Excluding
legal fees we also would have reported a profit for the 9-month
period. In addition, excluding legal fees, we operated at positive
cash flow for the 9 months. Readers should review "Management's
Discussion and Analysis of Financial Condition and Results of
Operations" in our 3rd quarter Form 10-QSB for additional details."
    CreditRiskMonitor.com is an Internet-based financial information
analysis and news service that competes with Dun & Bradstreet, and its
web site is www.crmz.com.
    Safe Harbor Statement: Certain statements in this press release,
including statements prefaced by the words "anticipates", "estimates",
"believes", "expects" or words of similar meaning, constitute
"forward-looking statements" within the meaning of the Private
Securities Litigation Reform Act of 1995. Such forward-looking
statements involve known and unknown risks, uncertainties and other
factors which may cause the actual results, performance, expectations
or achievements of the Company to be materially different from any
future results, performance or achievements expressed or implied by
such forward-looking statements, including, among others, those risks,
uncertainties and factors referenced from time to time as "risk
factors" or otherwise in the Company's Registration Statements or
Securities and Exchange Commission Reports.

    CONTACT: CreditRiskMonitor.com, Inc.
             Larry Fensterstock, 845/230-3060
             larryf@crmz.com