@Jay Hinrichs you play the cards you are dealt.

Should I take the 50k and pay of credit cards and start from scratch?

Use your car for collateral to obtain down payment to the seller or if you have credit cards with cash advance feature, call the credit card company and ask for a credit limit increase with the increase for advance cash.

I understand its unsecured debt, and half of it was essentially credit card debt but my question is does anyone else experience this?

As for your credit being poor, you might think about other ways to build your credit like a pre-paid credit card that will report to the credit bureaus.  

looked at URL its a credit card based deal... use caution with those..

It will be on direct mailers, business cards, website and social media.  

I took out a secured credit card for around 3000 dollars, Would it be a good idea to get another secured card?  

Hey guys I am using this agency to get me 0% interest from credit cards.

I have gave him 2 solid referrals as well, both should be closing soon.Next on the agenda is paying down my credit cards and saving more money in 2016.