I don't think you can be confused for a white person, but I would say Indian or Arab is quite possible. Many times Mexicans confuse me to be one of their own.
I can't speak for all blacks who have bad credit (not ALL of us, but there are many...), but for me it was because I didn't have anyone to teach me the importance of credit, or how to manage money, save, etc. I'm still trying to climb out of the hole I dug for myself as a result. I'll tell you what, though, my daughter won't have any trouble with financial management, because I'm going to teach her what I know early (she's about to get her first bank account next month...), and what I don't know, I'll get help with.
Many of them have a habit of living beyond their means.
Even though they have more means than most of society....they tend to go overboard...because they can.