ZTE Concord reset

I have an old T-Mobile ZTE Concord and have forgotten the password.  I've been looking everwhere online for instructions on how to do a factory reset but none of them work.  Here's the usual instructions:

- Hold down the Volume Down and Power Keys

- When the Android logo appears, release the Power key

- When a yellow triangle appears, press the Home key

Unfortunately, I never get the yellow triangle.  I get a picture of a box with an arching arrow coming out of it.  If I press the Home key at that point I see some red lettering at the bottom of the screen for a fraction of a second and then the Android logo appears again and the phone boots up (locked).

Can SOMEONE help me get this thing unlocked please?

Thanks!

Dan

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