If everyone's in on it...would it impact credit scores? My impression of credit scores is they're a metric for a bank or a financial institution to determine cr

If everyone's in on it...would it impact credit scores? My impression of credit scores is they're a metric for a bank or a financial institution to determine credibility for a loan. If everybody knows you'll default on said debt because it's "meant" to be defaulted on, how would that impact the bank's assessment for whether you need a mortgage?