Problem

Mac upgrade is asking for admin credentials or my credentials are not working.

Why is this happening?

Upgrades are now incremental patches that result in smaller downloads and faster installation. Only the components required to complete an update are downloaded, improving network efficiency by not downloading the entire operating system. The default is to search for the incremental upgrades and updates, but if incremental upgrades or updates aren’t found, a full installation is downloaded. If this full installer downloads, it will launch and require an administrator password.

Solution

Close Software Update and launch again (you should see it checking for updates again). If the install is less than 10 GB you may continue, if not, reboot your machine and try again.

You may want to use a panel to highlight important steps.
  1. Close Software Update
  2. Open Software Update (you should see it check for updates again)
  3. Check download size is less than 10GB, if not reboot and try again

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