i got a collection and a account i need remove any advise ?

hey i got a question i recently applied for a card at bmo harris and got denied my credit profile is in good standing (725 score ) only thing that i might not have is two credit cards with a limit of $2500 each however i do have 2 personal credit card that each have $700 limits and i have 2 tradelines as well , the rest of the criteria i meet i have no derogetory items on my transunion credit file. the reason they said i got denied is that the debt balance is too high / personal unsecured loan on credit file. the only open loan on my credit file is my student loan which as no negative marks , do you think i should deleted these students loan from my credit file even though there in good standing ?

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has anyone had any success deleting charge off and late payments? if so please share