Sorry to invade in, but the howtogeek article posted by Broni does not work if you only have a Standard account.
Instead use the Method 2 explained here : http://www.trishtech.com/winvista/activate_the_hidden_administrator_account_in_windows_vista.php
(This is for Vista but works also on Windows 7.)
You would need Windows DVD. If you do not have a Windows 7 DVD, download the Recovery Disk ISO from here : http://neosmart.net/blog/2009/windows-7-system-repair-discs/
After downloading ISO, burn it to a CD using something like ISORecorder or using the built in ISO writer of Windows 7.
I can never get far into these things before i just have another problem
I can't get to the command prompt except the one after my name/acct.
c:\users\myname - it says I am not authorized to go to the c:\ prompt.
It's trying to fix one problem and creating another. Anybody have a gun? I'm ready to blow my head off?