Fun fact - those are not entirely unrelated entities.

Proof or stfu

There is none. However, implying that race effects your credit score is in fact a pretty racist thing to say. Classic Marxist mentality.

I regret to inform you sir that you have the stupid. Please get it checked out for everyone’s sake before you hurt yourself or others around you.

While your reply is funny, it is personal attack and toxic. I would like to request avoiding doing it in fediverse. Alternatively there is Reddit.