<human>: Provide a brief overview of the text.

How i got here: Student loans and credit card debt.  2009: After school, i got a factory job at 10 bucks an hour through a temp agency.  Struck a (poorly advised) deal with my mom to buy a fixer-upper on contract from a family friend and opened a lowes credit card account to do so.  Purchased about 5 grand worth of supplies on the credit card and set to work.  That winter we had a bad blizzard and i lost the job.  I was drawing unemployment and decided i wanted to try to keep the house. I left the lowes debt unpaid and made less-than-minimum payments on my student loans.  

Eventually i couldn't even maintain that.

Where i stand now: Credit score is 530, and has been stable (plus or minus ten points) for the last year.  The Lowes debt has been written off and doesn't appear on my credit report.  My student loans were consolidated a few months ago and are currently under a decent repayment plan (my payments are $0). They still appear on my credit report but show 0 missed payments.  I have no open credit cards and only one account in collections (which i am disputing because it originates in a city i have never lived in).  I don't have a bank account in my name.  My paychecks are cashed into my girlfriend's account (yes, i trust her completely), and i use her card for my very few purchases.

I'm considering opening a secured credit card but I'm 1) fully aware of how predatory the sub-prime lending agencies are and 2) afraid of fucking up and getting in over my head again, thus resetting the minimal progress i've already made.  Google-fu is no help because even the top results for the search "Best credit-rebuilding secured cards" reek of companies that aren't the top result because they're the best, but because they've paid to be there.  I don't know who to trust and I'm definitely once bitten, twice shy.

I have a stable ~150/wk income.
<bot>: What the best secured credit cards that when managed responsibly (paid off every payment period) will help me rebuild my credit?