this method, it's free if you don't mind waiting 48 hours.
or does any of this apply in your case
I reset the windows logon password for my wife on her laptop. She used the computer after I reset it. She hasn't used the computer in a month and now forgot the logon. I cannot remember the logon because I never use her laptop. I know I'm a DUMMIE for not writing it down, but what to do short of reloading xp?