Thank you MichaelH for this tip:
2. Disable all plugins–if necessary read How to deactivate all plugins when not able to access the administrative menus.
Like kelly1878, my host is Bluehost, and I upgraded to 2.6.3 using Fantasico, and it seems the program did not deactivate the plugins — which resulted in WP not recognizing my Username and password.
It’s took a bit of hunting but I finally found how to do the following on phpMyAdmin:
In the table wp_options, under the option_name column (field) find the active_plugins row
Change the option_value field to: a:0:{}
After that, I was able to log in to my dashboard, deactivate the plugins, and do the upgrade to 2.6.5 using Simple Scripts (through my cPanel on Blue Host) without any problem.
Cheers!