Try using "admin" and no password to open the file. This is the default setting for a new DB file so if you haven't used access privileges to set up or change accounts, this should be the account name and password to open the file.
Once the file is open, go to File Options and select the "log in using" check box and specify "admin" with no password as the settings for this file option.
This returns your file to the default settings created when the file was first created.
that worked! thank you so much!! i think it happened when i upgraded to 9 from 7