My acer with Vista has a bsod on startup declaring 20 something viruses. Sometimes it starts normal and sometime it asks for a username and password when I have no password set up on my username. Where do I start?

Honestly, boot to safe mode, back up your data and nuke it.
Reinstall the OS from the ground up.

Are you able to start in safe-mode?

Do you have an AV installed?

Before "nuking" I always like to try everything else. If both answers to the above questions are yes, then try running your AV in safe-mode and see if this fixes your issue.

Vista + BSoD = Normally TERMINAL ;)

Are you a Vista hater or is this from experience? :D

Both..

Clean installed on my laptop and it terminally BSoD after 24 hours.
Win7 on the other hand, been running since it was released with no issues..

I agree. Iam not a fan of Vista either but I would still try. I'm not against your answer by any means, just saying Id try this first if it were me.

Getting in Safe Mode and running Malwarebytes' Anti-Malware: Malwarebytes sometimes solves it. Doing a Repair from the Vista boot CD can solved it as well but only after the viruses are removed.