November 3, 2009

NEWS RELEASE
CONTACT:
CreditRiskMonitor.com, Inc.
Jerry Flum, CEO
(845) 230-3030
ir@crmz.com

FOR IMMEDIATE RELEASE

CreditRiskMonitor's Revenue Grows 37% for Third Quarter of 2009

VALLEY COTTAGE, NY--November 3, 2009--CreditRiskMonitor (OTCBB: CRMZ) reported that revenues increased 37% and 34% to $2.05 million and $5.72 million for the 3 and 9 months ended September 30, 2009, respectively. Cash, cash equivalents and marketable securities at the end of the nine-month period totaled $4.97 million, up $1.10 million from fiscal 2008 year-end.

Jerry Flum, CEO said, "Our revenue continues to be counter-cyclical during these turbulent economic times. Our operating profit for the 3rd quarter was the highest in our history. In addition to the usual metrics for evaluating performance we also utilize cash return on net worth and tangible net worth, as shown in the table below. We are achieving these high rates of return without any long-term debt and with working capital at the highest level in our history."

                                                                                                                9 Months Ended September 30,

                                                                                                                     2009                         2008                

Net increase in cash, cash equivalents & marketable securities             $ 1,098,203               $   284,178                     

Net worth at beginning of period                                                            $2,389,514               $1,958,777                     

Return on net worth                                                                                              46%                          15%                  

Tangible net worth at beginning of period                                             $   435,054               $       4,317                     

Return on tangible net worth                                                                              252%                    --N/M--                     

CREDITRISKMONITOR.COM, INC.

STATEMENTS OF OPERATIONS

FOR THE 3 AND 9 MONTHS ENDED SEPTEMBER 30, 2009 AND 2008

                                                                                        3 Months Ended                                              9 Months Ended

                                                                                         September 30,                                                 September 30,

                                                                               2009                            2008                            2009                            2008

Operating revenues                                         $    2,052,310               $    1,493,498              $    5,717,872              $    4,263,138

Operating expenses:

        Data and product costs                                     519,005                        456,891                    1,584,503                    1,335,862

        Selling, general and

            administrative expenses                            1,101,815                        909,565                    3,641,310                    2,723,308

        Depreciation and amortization                           26,533                          19,818                         75,524                         57,829

                Total operating expenses                      1,647,353                     1,386,274                    5,301,337                    4,116,999

Income from operations                                           404,957                        107,224                       416,535                       146,139

Other income, net                                                        2,564                            6,741                         12,907                         30,432 c 

Income before income taxes                                    407,521                        113,965                       429,442                       176,571

Provision for income taxes                                            1,020                               880                           3,513                           3,237

Net income                                                      $       406,501               $       113,085              $       425,929              $       173,334

Net income per share:

        Basic and diluted                                    $            0.05               $            0.01               $            0.05               $            0.02

CREDITRISKMONITOR.COM, INC.

BALANCE SHEETS

SEPTEMBER 30, 2009 AND DECEMBER 31, 2008

                                                                                                                                                       Sept. 30,                    Dec. 31,

                                                                                                                                                          2009                          2008 h 

                                                                                                                                                     (Unaudited)                        

ASSETS

Current assets:

        Cash and cash equivalents                                                                                           $          4,969,790      $             912,591

        Marketable securities                                                                                                                             --                   2,958,996

        Accounts receivable, net of allowance                                                                                        833,320                  1,146,066

        Other current assets                                                                                            &nb

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