By default, Windows creates an account called "administrator" when you first set up the computer. At that time you would have been prompted to enter a password, though a lot of people just leave it blank. (That can be a security risk or a saving grace, depending on the situation.)
It's recommended that you create a new account and not use the default administrator so that if something ever happens to your account you have something to fall back on.
To verify what setup you have, go start->control panel->user accounts. On the screen that comes up all of the user accounts will be listed, and under them it will say if it's an administrator, limited user, or guest, as well as if the account is password-protected. (NOTE: If you have created a new account, Administrator will not be listed...it will remain hidden until you need it.)
You can change the username, go from limited user to administrator, add/change/remove a password, etc by clicking on the respective username. You can also create a new user by clicking "create a new account."
If, on the start menu, your username is Administrator, you can create a new account (as suggested), though if you've been using it a while it may be simpler not to. Administrator is, of course, granted administrative privledges, though you can change the password options as directed above.
Hope this helps,
John
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