@RpR thank you!
yes I do think the concrete wall is best, but don't have the oomph to dig down to pour a footer and with the soil /water against it, it would need that or it would eventually lean. Down the road we may do something more nicer, but for now I just need this done. We have too many irons in the fire, need to put up fencing, get a vapor barrier in the crawl space, and still painting the new siding, ect. I've been washing dishes in my bathtub since november have not had a kitchen for 2 years now, so anything just to lay down and look somewhat decent for now, and also not be attractive to termites is my goal.