Welcome to Android Central! First, what do you mean that it has a screenlock? Are you saying that you're locked out of your phone, and have forgotten the password/PIN? Or you just want to change the lockscreen to swipe only? Are the Swipe or None options greyed out in the menu?
Regarding the contacts, how are you trying to transfer them via SD card? You generally don't transfer contacts that way, unless you exported them to a CSV or VCF file. Or are you talking about a SIM card?