Here's what I found to work for me:
Get a FTP client, I'm using Filezilla for this one.
The Host is your site name (example.x10hosting.com or what have you)
The username is the name needed to log into your cpannel (your.site.com:2082), this should be in one of the account activation e-mails from x10
The password is, again, the cpanel password.
That should do it.