Credible story or not, the scariest thing about the whole incident is that no one can say for sure what it is (at least to the public).
You and I share the same thought on the matter. Was it a missile? I wasn't there so I can't say one way or the other. However, I don't believe for a split second that it was a jet, hence nothing appearing on any radar. Simply put, that's nothing short of a d*mned lie that was told to the public in order to prevent panic.