Did you change your login PW?
Keychain Access asks for keychain "login" after changing login password...
Resetting your keychain in Mac OS X...
If Keychain First Aid finds an issue that it cannot repair, or if you do not know your keychain password, you may need to reset your keychain.
I agree with Master BDAqua -
ESPECIALLY if you had to reset you login password on the system, your keychain HAS TO BE reset to default: open spotlight > keychain access > select keychain access from the application menu at the top > select preferences > select the General tab > select Reset My Default Keychain.