You are connecting two events that are unrelated and attempting to create a connection and that is an odd thing to do in history. The massacre in Tulsa has no direct impact on the creation of credit scores and it requires a massive amount of illogic to get there.
As for your attempts to find a logical flaw just stop now. You clearly do not understand what they are if you think I made an appeal to authority (I did not and could not since there was no source).
You however seem to think that a wikipedia article existing means the notions suggested are factual and that cannot be farther from the truth. Just because someone criticized credit scores does not make their claims valid or even informed.