Cannot log in site despite having credentials from settings.php
Okay I see what happened now. 

I was trying to login to Drupal and not to the database, but I was getting the DB password from settings.php.

On the Drupal sites I setup in the past I used the database user and password as the Site Maintenance Account’s credentials, so I’m used to them always correlating. Since someone else set this one up they put the user and pw to something different. It's probably a security hole to do it the way I was doing it so I guess I need to fix that.