Marcus Barney Him500 Review (2022): Will He Really Repair Your Credit?

By: Hope
By: Hope
Welcome to my Him500 - Recession Proof review. My goal is to answer common questions like: how much it costs, if it's a scam, if you can actually make money with it, & who Marcus Barney really is. The end goal is to help you understand if it's a good fit for you personally, and if there are any better alternatives out there.


This Marcus Him500 – Recession Proof review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for Marcus Him500 - Recession Proof

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Marcus Him500 – Recession Proof is teaching you to do.
I have absolutely no relationship with Marcus Him500 – Recession Proof, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

You’re probably here because you want to find a good review of Recession-Proof Xtreme. And you’re wondering if it’s worth it to invest in this finance and credit repair program.

I enjoy assisting others in finding money-making opportunities online. One of the programs I’ve reviewed is Recession-proof Xtreme.

This review will discuss Recession-Proof Xtreme to see if it’s the best online course for repairing credit out there.

Now, I do want to be totally honest in this review, so…

Alright, so Marcus Barney doesn’t exactly fit into a nice category.

At the end of the day, credit repair is a… unique way to think about making money.

It’s certainly possible to make money with off-the-wall businesses like this, but unless you’re interested in taking years out of your life to experiment with an unproven business model, I would look elsewhere.

My #1 personal recommendation if we’re talking about starting a fully-online business has got to be the Lead Generation & Ad Agency business models.

There are a handful of programs that teach you the ropes, but my #1 choice that combines both of those business models into one is the Digital Landlords program

But, if you’re hard-pressed to jump head-first into an off-the-wall business model, let’s continue to my full breakdown of Marcus Barney.

Who Is Marcus Barney?

Who is Marcus Barney

Marcus Barney, popularly known as Him500, is the founder of Recession-Proof EXtreme.

Marcus Barney was a successful businessman who started his first company when he was 18. He started in the real estate industry but shifted to selling cellphones after the 2008 market crisis.

He claims that his cell phone business failed because he didn’t know how important credit and finance were at the time.

After learning from his mistakes, he started making money in the credit and finance world. He now has a thriving credit repair business, a real estate investment firm, and an online education platform where he teaches money management skills.

The question I need to answer in this review is whether or not you should enroll in his Recession Proof Xtreme program. Is this course an excellent way to make money?

Let’s look at what this course is all about and what you can expect from it.

What Is Recession Proof Xtreme?

What Is Recession Proof Xtreme

The Recession Proof Xtreme’s online course will show you how to increase your credit score and get money for your business.

Marcus Barney can also help you save money when traveling or buying a car.

Before I talk about the course, it’s important to note that it doesn’t give you a business plan to get started.

To obtain a business loan, you will only need to improve your credit score. However, this course may not suit you if you don’t currently have a business.

Course Curriculum

  • Course Introduction
  • Module 1: Recession-Proof DIY Credit Repair
  • Module 2: Recession-Proof Credit Report Structuring
  • Module 3: Recession-Proof Funding
  • Module 4: Recession-Proof Utilization Hiding
  • Bonuses

Recession Proof Xtreme Overview

The course includes 4 sections and some bonuses. Let’s take a look at each one:

Financial Literacy

This is the first part of the course. This section will teach you how to fix credit.

These are the topics that this section covers:

  • In less than 60 days, you can clean up your credit score
  • Credit up to over 750
  • How to start a credit repair company
  • How to automate the credit repair

Tradeline Business

The second part of this course is about the business of tradelines.

You sell tradelines when you allow someone to use your credit cards. You’re giving them credit by letting them build credit on your good credit.

These are the topics that this section covers:

  • Best credit cards for tradeline companies
  • How to prevent fraud from happening
  • Tradeline business risk management
  • How to expand your tradeline business

Personal Loan And Business Funding

Personal Loan And Business Funding

This section focuses on creating a funding company.

The majority of the training will focus on securing credit and getting low-interest rates.

  • How to market and create a fund company
  • My secret formula to get 12 Credit Cards with only 4 questions
  • How to get up to $250,000 per person credit
  • Building & securing credit for business with a PG & without a PG. *PG Personal Grantor
  • How to get up to 250,000 in Business Credit Interest-Free for 12-18 Months

Strategies And Luxury Car Hacks

Luxury Car Hacks

This section is not about business but lifestyle.

Learn how to travel cheaply and lease luxury cars without spending too much.

  • How to make $100,000 per day
  • How to Travel for Free & Get 60%-70% Off Hotels
  • How to get any vehicle you want for between 6-12 months with pennies
  • How to use credit to pay off utility bills, groceries, clothing, and toiletries?
  • How to conceal credit card usage
  • Credit 2 Close. How to use your credit card to pay your down payment for your home
  • How to buy investment properties with 25k+ equity for zero dollars
  • How to avoid paying a mortgage



You will also receive bonus training materials in addition to the core training.

These are the bonuses you’ll get when you purchase Recession Proof Xtreme:

  • Credit repair eBook
  • Weekly group coaching calls
  • Training in Facebook ads
  • Masterclass in social media marketing

Recession Proof Xtreme Pricing

Recession Proof Pricing

At $3,497, Recession-Proof Xtreme is quite pricey. However, I think the price is too high because it doesn’t really teach you how to make money or start a business.

You will hurt your credit score if you pay $4,397. However, your credit score will increase if you make more money and pay off your debts.

In the second part of this review, I’ll talk about a simple way to start a business that doesn’t require a lot of money.

More Recession Proof Xtreme Pros And Cons

Pros and Cons


  • Marcus Barney is an expert on the material he teaches.
  • You can learn how to improve credit scores.


  • The course is too costly, and you can’t refund your money.
  • This is a red flag as most courses offer a minimum 30-day money-back guarantee.
  • There are easier and better ways to repair your credit – start an online business to generate more cash flow!

Frequently Asked Questions:


1) Is Recession Proof Xtreme Worth $3497?

This is an interesting course; it also shows some new ways to run a business.

However, it’s not something I believe is worth the effort.

While $3497 seems expensive, there are plenty of cheaper courses that can teach side hustles.

So I’d instead try a lower-priced course.

2) What Are Your Thoughts On Marcus Barney?

I think this guy is legit and a great hustler.

But I wonder how much he makes by teaching courses and other activities.

If he sells more courses, I’d find him less trustworthy.

3) What’s Included With Recession Proof Xtreme?

There are three business models you can choose from and training that can enable you to live a moderate lavish lifestyle.

Credit repair, tradeline, and investing are among your business models.

The luxury lifestyle training you receive includes traveling for free, luxury car hacks, and making down payments on a home.

4) Is There A Payment Plan?

I couldn’t see a payment schedule, but there was an option to obtain a loan. However, I would not recommend this course if you are looking for a loan.

5) Is There A Refund Policy?

No, which is disappointing. Most legit programs offer a refund policy.

Are There Alternatives To Him500?

Other alternatives

Yes, there are plenty of other business models to choose from if you want to pursue this making money online.  Here are just a few:

Is Marcus Barney A Scam?

Is It A Scam

Time for the $1,000,000 question: is Marcus Barney actually a scam?

I wouldn’t technically call it a scam, though others might.

It’s technically possible to make money with this program, so in that sense, it isn’t a scam.

What I’m saying is: after buying, someone will in fact send you a login to a website where you can actually view their material. No one is riding off into the sunset with your money, leaving you empty-handed… technically speaking.

But the second, more important question is: is Recession Proof Xtreme actually worth the investment?

My honest answer is that for most people out there, probably not.

There are countless other business models that are proven & easily scalable, so why risk it for… not an incredibly huge payoff?

I’d rather have a program with thousands of successful students & plenty of room for others to join.

If you’ve followed my blog for long, you know I recommend a few different programs depending on your skills & goals.

My current top choice is becoming a Digital Landlord, because you have a proven, systematic path to 6-figures, and you can do it from anywhere you want.

I’ve got friends in there that are posting deals from the middle of the woods in a camper-van with their pet pig… which is kinda cool.

What Is My Top Recommendation For Making Money Online In 2022?

Digital Landlord Making Money Online

Alright, time for me to get real with my lovely readers for a moment:

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve dropshipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

THAT BEING SAID: I would at least recommend you implement something that is tried and true, because I’ve seen TOO MANY people (including friends and family) get burned by stuff like Recession Proof Xtreme.

They come out of left field with some random idea, make it seem attractive, and then make themselves a quick buck by luring in unsuspecting people.

I’m not saying Recession Proof Xtreme itself is a piece of trash, I’m just saying you need to be very, very careful.

This is a big reason why I only recommend proven, tried, and true business models, like Lead Generation & Ad Agencies.

There are a bunch of programs out there that teach you those skills, but my top choice is the Digital Landlords program.

Why? It has proven leaders with their own 7-figure businesses implementing exactly what they teach you.

I’ve also got over a dozen personal friends in there, so I feel comfortable telling you it works.

Whether you’re a complete newbie or have been around the block before but have never had that “big win” to propel you forward, their program works.

Here’s why:

1)Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring (for the most part).

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

2)Big Margins: With most businesses, you’re often going to have really slim margins. That means you need to hit a serious scale to make serious money.

Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best-case scenario, you have properties bringing in over $3,000+/mo on “auto-pilot.”

3)It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with a finance and credit program, you would need to repair your credit. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.

4)You’re Helping REAL People: My biggest gripe with finance and credit program is that you’re basically only helping yourself.

But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other off-the-wall business models like credit repair, trading lines, and investing and maybe hit it big one day.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.