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If you have ssh access (putty) you can create the MySQL user and privileges from there.
I assume you have the MySQL root password as well.
Once you have successfully connected via putty run this command to login as MySQL root:
mysql -uroot -p
You will prompted for a password, enter the MySQL root password to continue.
You mention the XOOPS database is already loaded so you only need to create a user and grant privileges:
grant all privileges on xoops_database.* to 'dbuser'@'localhost' identified by 'dbpass';
Substitute xoops_database, dbuser and dbpass with your own credentials.
Once complete, flush the user privileges:
flush privileges;
You should be able to login to MySQL now using:
mysql -udbuser -pdbpass
and view the XOOPS database using:
show databases;
Edit your mainfile.php with the newly created user info and your XOOPS install should now be able to connect to the database.
