my mmc card hs jus been locked.... somebody help me.....

i hv tried hundred possible of passwords..... but its useless..... it keeps asking 4the password...

i can't acces through phone xplorer.... pc not detact the mmc.....
i believe this happened bcos, im restoring factory setting.....so it detact my phone as alien.
is there any software or something or anything .... to overcome this problem...

thanks....