Marcus Barney Him500 Review (2023 Update): Best For Credit Repair? Well… #6 Really Got Me Wondering!

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Updated: January 26

By: Scam Risk - Expert Reviewer

Him500 Review (Update): 9 Things You Need To Know!

Are you looking for a Recession-Proof Xtreme review? Is this finance and credit repair program worth investing in?

I love helping people to find money-making opportunities online. Recession-proof Xtreme is just one example of the programs that I have reviewed.

This review will go over Recession-Proof Xtreme to see which of the two really is the best online course for repairing credit out there.

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


This Him500 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.

Table of Contents

Pros: What I Liked

  • Solid teaching material
The Good

Cons: What I Didn't Like

  • Expensive
  • No refund policy
The Bad
And at the end, I’ll answer some of the most often asked questions regarding Recession-Proof Xtreme and coaching programs in general. But most importantly, you’ll see the exact step-by-step system that many others have used to grow their own successful online business to more than $40,000 a month in passive income. This system made them swear off coaching programs for good, because it uses some of the same skills but in a much more powerful and profitable way!

Who Is Marcus Barney?business funding

Marcus Barney also goes by the nickname Him500 and the creator of Recession-Proof EXtreme. Marcus Barney was 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 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. However, if you don’t currently have a business, this course may not suit you.

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 have a look at each one.

Financial LiteracyFinancial 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 BusinessTradeline Business

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

This section focuses on creating a funding company. The majority of the training will focus on securing credit and getting low-interest rates. Personal And Business Funding
  • 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

This section is not about business but lifestyle. Learn how to travel cheaply and lease luxury cars without spending too much. Strategies And Luxury Car Hacks
  • 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

Recession Proof Xtreme PricingRecession Proof Xtreme Pricing

Recession-Proof Xtreme is pretty costly at $3,497. The price, in my opinion, is just too much because it doesn’t really teach you how to start a business or make money. You are only making your credit worse by paying $4,397. You can improve your credit score by increasing your income to pay your debts on your own. In the second section of this review, let me share a simple business model that can be started without significant capital.

More Recession Proof Xtreme 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.

Is Marcus Barney A Scam?

Is It A Scam Marcus Barney is not a fraud. Recession-Proof Xtreme is a solid course on finance and credit. However, the course is expensive, and I wouldn’t recommend it for anyone looking to improve their credit score. Marcus Barney also makes more money selling his online course than teaching. It’s not convincing enough for you to take his course and make money. Do you also know that the internet has made the world a much better place? There are many online money-making opportunities that you can use. You can quickly start an online business that will pay your bills and provide a steady stream of passive income. Warren Buffet stated, “If there is no way to make money while you’re sleeping, you will die.” So I don’t recommend that you worry about your credit score. Instead, build a digital asset that will make you money even while you sleep.

Frequently Asked Questions


1) Is Recession Proof Xtreme Worth $3497?

I find this course really interesting. It also teaches some innovative business models. However, it is 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 believe he’s legitimate and certainly a good 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?

You can choose from three different business models, as well as training to help you live a low-cost luxury lifestyle. Your business models include credit repair, tradingline and investing. 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 could not 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 will offer a refund policy.

6) Are There Better Alternatives?

There are plenty of courses out there that will show you how to start a side business and make some money.

Are There Alternatives To Him500

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:

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

  Digital Real Estate Our review team has come across a program in the real estate industry that is next level! Although it’s not real estate in the traditional sense, it’s all digital. Yup, Digital Real Estate! Where Recession-Proof Xtreme falls short is in scalability. You can’t realistically expect to be able to make passive income when you have to read books all day. But what if you leverage it? With this digital real estate program, you can have the ability to completely walk away from the laptop because you’re actually taking action! Sound too good to be true? Of course it does! But it isn’t… in fact, business owners wish they had this skill! All you have to do is build and rank a website and forward the jobs off to a business owner in town, you could even email it to them! This works for literally any service based business, tree service, plumbing, towing, etc.

How do you get paid and how much?

Simple, after you forward the jobs off to a business owner and he makes some money off of them, you simply ask to make the deal beneficial for each other. make a deal A fair price to charge per lead, depending on the industry is 10-20%…let’s just use the tree service industry for example and go by worst case scenario. Let’s say you build and rank the site and only 10 jobs a month come in. The average tree service job is anywhere from $500-$2000! That means at bare minimum you have an asset worth $500 a month! See why they call it digital real estate now? That’s a rent payment. The great thing is how easy it is to scale. You don’t have to answer the phone…all you have to do is get the phone to ring. Remember Recession-Proof Xtreme and all the procrastination? This one actually allows you to collect that without being on the laptop managing a store all day. Truly passive income! The training program takes making money online to a whole other level. The owner of the program walks you through how to build and rank a site hand in hand, with the occasional voice over when he is sharing his screen. You will learn the importance of keywords, website name, how to send call notifications via email, backlinking, etc. Once the training program is completed you will also have access to a Facebook group much better than the Recession-Proof Xtreme group in our opinion. This group is much more active. Kylie is crushing it Unlike Recession-Proof Xtreme, where you have to reading all day and worry about getting a $5 profit off a $50 product 1,000 times over…. A business will always want more leads and another job. In fact it doesn’t even matter that the job isn’t coming from their website name…they see it as it is…expanding digital real estate. Unlike Recession-Proof Xtreme, more people have been able to walk away from their 9-5 job as well. Digital real estate allows you to have total passive income with most of your day being spent OFF the laptop. Now, I know you probably have tons of questions… So, check this out to learn more!
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