Marcus Barney Him500 Review – Is He Legit or a Complete Scam?

Marcus Barney, also known as Him500, is a big player in the financial education world, especially for African Americans. He is the man behind the Recession Proof Xtreme program, which focuses on helping people fix (build) their credit and find the money to put into investments. So, today, I think it will be a good idea to dive into who Marcus is, the stuff he teaches, and his connection to EYL University and see if what he’s saying is the real deal. You see, Marus or Him500 doesn’t just discuss credit repair but also shares his MOST trusted tips on different businesses you can get into. But before jumping into them, he suggests cleaning up your credit and having some cash to start with. (I think that’s a good idea.) That said, I’ve gathered as many Him500 reviews as possible and put what I learned into this review. Let’s just right in, but…

Before I start…

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Table of Contents

Who Is Marcus Barney?
What Is the Recession Proof Xtreme Program?
What’s the Price Tag on Recession Proof Xtreme?
Is Him500 a Scam?

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Who Is Marcus Barney?

Marcus Barney, better known as Him500, has been through the ups and downs of the business world. He started at 18 with his own company, dipped his toes in real estate, and then jumped into the cellphone business after the 2008 recession (or whatever).  That didn’t go so well – it turns out that understanding credit and finance is enormous.

Okay, let’s move forward a bit; Marcus has been able to change some things around and pick himself back up by learning as much as he can about credit and finance. For example, he’s pretty successful with his credit repair business, real estate investments, and an online school where he drops knowledge about handling money. With that said,

Marcus Barney isn’t just your everyday entrepreneur. When browsing social media, I discovered how Him500 is known as a finance guru changing the game. From what I gathered, he figured out MOST entrepreneurs fail simply because they don’t have the RIGHT tools to do something unique and launch that big idea. Marcus saw this as an opportunity and put together some incredible strategies to get funds, but in ways where we, the everyday people, call the shots. From what I’ve seen, whatever Marcus or Him500  knows has allowed him to live the dream by flying around in a fancy private jet business. He has a piece of Connectally, a tech company and supposedly one of the most significant finance learning communities. So…

Here’s the main question: Is the Recession Proof Xtreme program worth it, and should you sign up? Will it lead you to financial freedom and earn you passive income going forward? I’ll answer this question at a later time. Before we continue,

It’s only fair to show you what I’m doing to make money online…watch the video… it will blow your mind…(40K with a two (2) page website)

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Watch the video to see my no.1 recommendation for making money online

 

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What Is the Recession Proof Xtreme Program?

So, Marcus Barney’s got something he calls the Him500 course or Recession Proof Xtreme. From what I have heard, he’s cut down the content quite a bit because before, he would teach you things like making money with tradelines, getting funds for yourself and your business, and even doing some cool tricks with his luxury cars. (lol). However, there is only one (1) course now and many short, FREE videos.  I almost forgot that if you love attending live events, Marcus does this two (2) day event in Atlanta every month – it’s called Build Your Business Bootcamp. But what’s weird is that attending this class will cost you the same as his Financial Literacy Class. Anyways,

As promised in this Him500 review, we’ll explore everything in full detail, so here’s what’s included in the Recession Proof Xtreme program.

Marcus claims he can show you how to fix your credit in 90 days using some of his so-called ninja moves. I almost forgot he would also show you how to withdraw cash from your credit card for investing without interest. Some of these videos are FREE, and there’s also a 5-video series with Marcus’s wife giving tips on thinking like a boss. There is much more, for example…

The Financial Literacy (The Him500 Credit Repair)

In this part, you will learn how to build your credit score yourself. Don’t worry about paying someone else to do what you can…right? Marcus says, “Once you have become an expert, you can even charge people to help them build their credit score.”  Some other things covered in this section are:

Making your credit report shine in less than 60 days • Boosting that score to a sweet 750+ • Launching your credit-fixing gig • Making that business run smooth without you breaking a sweat. Great, let’s move on:

Tradeline Business

Next, you will dive into making money with tradeline selling using your credit card. What the hell is this? It’s basically letting a total stranger ride shotgun on your credit card for some cash. It’s like giving them a credit boost without them having to get their card. (This is something new; I haven’t heard of this strategy before.) But, Him500 does say Tradeline selling is tricky because it’s got some dangers like data leaks or your credit score taking a hit….lol. Anyways, this section also covers:

Picking the best credit cards for the gig • Keeping the sneaky fraudsters away • Handling risks like a pro • Taking your tradeline business to the next level

Personal And Business Funding

In this section, Marcus Barney will walk you through locking down credit, but only those sweet low-interest rates for yourself or your business. Here’s what else you get in this section:

Kicking off your own funding company • A slick trick to grab 12 credit card formulas but only leave footprints of 4 inquiries • Pull in up to $250k with your personal credit (yup, you read that right) • Building your biz credit, with or without a PG (that’s Personal Grantor for the uninitiated) • Get a whopping $250k in business credit and enjoy the interest-free life for 12-18 months.

Strategies And Luxury Car Hacks

Marcus Barney, aka Him500, says, “When you make money, you have to enjoy it…it’s that simple! So, I’m going to teach you how to jet off to the sports on your bucket list and cruise in fancy cars without breaking the bank.” Here’s some other cool stuff you’ll learn:

Pull a magic trick and spend $100k in a day. • Travel on the house and score major discounts on hotel stays. • Drive any whip you want for 6-12 months and just toss in a few coins. • Use credit so you’re not shelling out for everyday stuff like food, threads, or even keeping the lights on. • Play hide-and-seek with credit card utilization. • Credit 2 Close: Using a credit card as a down payment on your crib. • Buy investment properties with a cool $25k equity without emptying your pockets. • The art of skipping out on the mortgage.

And, finally, here’s the cool bonus stuff you get:

Your guide to fixing credit? Yep, there’s an eBook for that, and you’ll learn how to sell it! • A sweet system to plug in and sell that eBook. • Kick off your mornings with accountability calls (set those alarms on Monday to Friday at 8 a.m.!). • Get schooled with weekly coaching sessions. • Free tickets to the exclusive “Recession Proof” gigs. • Facebook Ads 101: get your ad game on point. • Turn into a social media wizard with a marketing masterclass. • Get access to all those past Amplifier Calls.

Great, let’s continue with my  Recession Proof review…

What’s the Price Tag on Recession Proof Xtreme?

So, do you want to join the Recession Proof Xtreme online course? It’ll set you back a cool $3,497 – yup, that’s a one-time fee. Here’s the thing: I think this is a steep price for some online learning. I mean, from my point of view, the value you are getting for what you are paying isn’t exactly jaw-dropping. Think about it this way…

The golden rule for a good credit score comes down to earning money and paying your bills when they’re due. So, is it worth paying that Recession Proof Xtreme price tag to hear someone tell you to pay your bills on time, etc….lol. Here are a few more things…

There is NO payment plan or schedule that Him500 offers, but you can apply for a loan with Marcus and his team. But I wouldn’t recommend this because I’m sure they will charge you a crazy interest rate. Next, what about the refund policy? All I have to say is what refund policy!!! LOL. There’s none offered.

Is Him500 a Scam?

So, I decided to Google the following “him500 scam” to find out what information I could find online. So, here’s the answer to this question…

Marcus Barney isn’t a scam and has a business model that can generate money. Also, from what I read, you get some knowledge from his courses. But, can you take all his money advice to the bank? Eh, maybe not. Him500 is on social media teaching something called “creative financing.” If you ask me, that’s bending the truth to get a 100K loan, which many would say is “bank fraud!”…lol. Seriously, some financial gurus would say using Marcus Barney’s method could land you in jail. Anyways,

It makes you wonder if Marcus is making the money he claims from his methods or by selling courses. You have to wonder, especially when the feelings about him are so mixed online.

Closing Thoughts

Here’s the thing: I promised during this Recession Proof Him500 review that I would be completely transparent. I think for what you are paying, you are NOT getting any unique value. You can pretty much Google everything that Marcus is teaching and find content/videos for FREE. Look, I will give Marcus some credit because there are some fantastic side hustle tips, etc, but is it worth the almost 4K price tag…no way! Also, if you have your mind set on joining some financial course, then do your research because I’m sure you will find one for 1/3 of the price and one that offers even more value.  With that said,

Is Marcus legit? I have found some recent articles stating he has a criminal record, so I have difficulty trusting someone with my credit score and cards with a record. That’s just me! Anyway, if you feel the same way, I encourage you to check out another business involving setting up digital real estate properties. It’s less effort, and I collect a nice $500-$2,000+ checks every month afterward (AKA passive income). If you want to LEARN more, then…

Before you leave

I love what I was able to do with this…my favourite program, which helped me make $200k in the last 12 months alone!