Ultimately I manually downloaded KB4023057 from Microsoft and installed it.  That opened up the system to update all the things on the computer.

I had recently installed an SSD and more memory but was unable to clone my old drive.  Kit on here told me of a way to get the ISO of Windows 10  and also told me that because my HP laptop came with Windows 10 the Key was hard wired into the system.  At that point I had data files and other things I could install but discovered it wouldn't update.

So now all is good.