If I read your original post correctly, you had high balances on credit cards, but the credit cards were otherwise, despite a few late payments in the past, in good standing. You sold your car to generate cash to pay the credit cards off. However, you asked for the debt to be reduced, and the credit card rep said that could be done but the account would be closed and reported as settled, and you went for it to have the credit card "monkey" off your back.
I've got good news and bad news. The good news is you did stop the financial bleeding and close the accounts in a manner in which you won't be liable for further balances, being sued or pursued by debt collectors. That's a positive.
On the other hand, you unwittingly threw your FICO score under the bus. You see, an account that's "settled" counts as a charge-off, which is a major negative to FICO scoring. Unfortunately, FICO scoring doesn't care if you gracefully settled with the creditor or you thumbed your nose at the creditor and you're being pursued by debt collectors. It's a negative of the same magnitude, and several such negatives would certainly explain your FICO score being knocked down well into the 400s.
As far as what to do, that really depends on your financial status. If you can get the CC accounts re-opened and can afford the payments, that would reverse the damage provided of course you get the negative reporting removed. Otherwise, you're looking at a long climb back to FICO grace...
