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Hello and welcome to justanswer, my name is ***** ***** i will be assisting you today,
unfortunately Windows XP isn't eligible for the free update to Windows 10. That means you will have to buy a licence and do a clean installation of Windows 10, also if you wanted to upgrade to Windows 7 from XP you'd have to bakup you files and wipe your hard disk and start again.
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Yes you can buy a license from Best Buy, also You can buy it online through Microsoft : https://www.microsoftstore.com/store/msusa/en_US/pdp/Windows-10-Home/productID.319937100 For your second question, you need to backup all your data before upgrading.
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