You may be under a misconception. The account lockout duration policy is set in minutes. This policy by default is not defined. Unless you manually defined this setting and set it to 60480 minutes (42days X 24 hours X 60 minutes), you aren't locked out for 42 days. This setting is only available if you enable the account lockout threshhold and set it to a number above zero (default is zero = no lockout). If you did set an account lockout threshhold (above 0), the default lockout duration is 30 minutes.
What you may be referring to is the "Maximum Password Age", which by default is set to 42 days. This setting refers to how often your password must be changed.
I have seen 2 different account setup routines. With an upgrade install of XP, you asked to provide a password that is applied to the default Administrator acoount. With a new machine setup (from Dell), you are asked to supply a name for at least one user account. The first account is given computer administrator privileges. Only an administrator can create a new user account. If this is your case and you have forgotten this password, your only recourse will be to reinstall the operating system.
Hope this helps.