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Him500 Reviews (Updated 2024): Is Marcus Barney And Recession Proof Xtreme Legit?

By: Joel & Josiah
Him 500 Recession Proof Xtreme Review

Him 500 Recession Proof Xtreme is the name of the program created by Marcus Barney. Marcus used to be heavily involved in real estate as well as many other business ventures. He came to learn the hard away how important credit and finance were in business. As a result he created the Recession Proof Xtreme course to help others just like him.

He claims that if you follow his methods, your business will be much more successful and financially stable.

But is he legit? What’s inside his program? And how much does it all cost?

Scroll down for my full review.

This Him 500 Recession Proof Xtreme review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.
Solid teaching material
Marcus has experience
No refund policy


  • Solid teaching material
  • Marcus has experience


  • Expensive
  • No refund policy

Why Listen To Us?

My name is Josiah, and this is my Dad, Joel.

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online
  2. Straightforward-ness of the system to do it
  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!


There are countless information courses floating around the internet. Why? Because for every problem that exists, someone claims to have the solution.

And that solution is usually some oddball money-making system that tells you how to turn a casual interest – or maybe something you’re super passionate about – into sustainable, reliable income.

Just like Recession Proof Xtreme. Here’s the hard truth, though…

Most of these programs:

  • Take way more time than you’re led to believe
  • May have hidden fees
  • Require you to buy multiple upsells in order to get the “real” information

But most importantly, a lot of these programs just don’t scale.

“Scale” means once you do the work to make a little money, it should get easier to make more money, not harder.

The problem is, most programs out there make it hard to make money at first and even harder to keep making money.

In other words, you might be able to make some money in the beginning, but it won’t be sustainable, and you’ll end up getting discouraged.

This is the exact opposite of passive income.

When income is truly passive, you do the work upfront, but then you set it and forget it. The money gets made whether you’re working or not. It’s not directly tied to the hours you put in.

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • All sorts of credit cards
  • Owning real estate
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent monthly revenues (from a couple of thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Leasing. 


This is nothing like credit education, and that’s probably a good thing.

However, if you’d still like to know more about Recession Proof Xtreme, keep reading.

What Is Recession Proof Xtreme?

What Is Recession Proof Xtreme?

The Recession Proof Xtreme online course teaches how to improve your credit score and secure financing for your business.

Marcus Barney will also guide you on saving cash when traveling and buying cars.
Before discussing the course content, please remember that it doesn’t give you a business plan to start.

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

Here’s a quick Recession Proof Xtreme Overview:

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

We’ll dive deeper into these below.

Who Is Marcus Barney?

Who Is Marcus Barney? Him 500

Marcus Barney also goes by the nickname Him500 and the creator of Recession-Proof Xtreme.

Marcus Barney is an experienced entrepreneur who started his first business at age 18. He was just 18 when he got involved in the real estate industry, but after the 2008 property crisis, he switched to selling mobile phones.

He claimed that his cell phone business crashed because he didn’t understand the importance of credit and finance.

He learned from his mistakes and began building in the world of credit and finance. He now runs a successful credit repair business and also a real estate investment company and offers online courses that teach finance.

The question we 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’s Inside Recession Proof Xtreme?

What's Inside Recession Proof Xtreme?

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

Financial Literacy

Financial Literacy Recession Proof Xtreme

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

Tradeline Business Recession Proof Xtreme

The second section of this course focuses on the tradeline business.

When you give permission for someone else to use your credit cards, you are selling tradelines.

You are basically allowing them credit by building credit on your excellent credit. This is what you get paid.

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 Recession Proof Xtreme

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

Strategies And Luxury Car Hacks Recession Proof Xtreme

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 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

Is Him 500 A Scam?

Scam or Legit

So, is Him 500 a scam?

Not technically.

You can make money with this program, but it’s definitely not as easy as Marcus Barney makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – it doesn’t scale.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months, and then your reward is being forced to grind it out for another 9 months before seeing any “real money,” well…that’s not a great deal, is it?

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Leasing

And you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection are all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Leasing.

How Much Does Recession Proof Extreme Cost?

How Much Does Recession Proof Extreme Cost?

Recession-Proof Xtreme is pretty costly at $3,497…however, he does apparently offer a $500 discount if you buy “today”.

Odds are the price is always going to be $2,997 no matter which day you go back to the sales page.

The price, in my opinion, is still just too much because it doesn’t really teach you how to start a business or make money.

You’ll learn some information about how to use credit to your advantage…but that’s about it.

Does Marcus Barney Have A Refund Policy?

Does Marcus Barney Have A Refund Policy?

While I can understand standing behind ones products and feeling so strongly, as I hope anyone would, having NO refund policy does not inspire much confidence in me.

For many people, they view no refund policy as someone who is just trying to take their money and leave them hanging.

After all, I’m sure they had past incidents of that exact experience with similar companies.

I’m not sure how well Marcus is doing on sales, but a policy like this sure isn’t helping.

It’s probably one of the reasons why “him500 scammer” is such a popular google search too.

Are There Alternatives To Him 500

alternatives scamrisk

Yes, there are plenty of other online business models to choose from if you want to pursue this making money online after reading him500 reviews. Here are just a few:

What Is Our #1 Recommendation For Making Money Online In 2024?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business,” the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online or been in this space for a while but never really “made it,” Digital Leasing is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full-time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With the finance and credit world, you don’t really own anything. After all, it’s just education

Sure, what you can learn can be applied…but not in a way that can make money for you right away.

With Digital Leasing, you own the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

Scott Lead Gen

4) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple of keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 monthly in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

That’s better any other successful real estate investment I’ve heard of…

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with Him 500, you’d probably need to double the amount of credit you have. Because, again, this program doesn’t scale.

Done Deal

5) Make Money Helping Real People: With Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at finance education courses like Him500 reviews which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms, thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

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