I typed the follow commands;

yourname# configure terminal

yourname(config)# username username privilege 15 secret 5 password (replacing usernname/password, with my own)

yourname(config)# no username cisco

yourname(config)# no banner login

yourname(config)# no banner exec

yourname(config)# end

yourname# copy running-config startup-config

So, unfortunately I negated the cisco/cisco. I did receive an error when enter the follow:

yourname(config)# username username privilege 15 secret 5 password (replacing usernname/password, with my own)

referring to encryption but as I was in a rush I thought nothing of it, yes I know my fault. I do not know what the exact error was but I do know that i entered the correct username/password when running the above command and attempting to login. Ill assume I have to reset the router to factor defaults but am unable to find a article to reference.

thank you both, Jennifer and Richard for your help. I was able to reset and reconfigure the router.