Microsoft has started loading Win 10 on to computers today. They are not notifying users its ready for install, just downloading.
If you signed up for the Win10 upgrade, check your Operating System drive for a "$Windows.~BT" folder with today's date.
My Windows 8.1 Pro 64 bit OS has the update folder. I'm not upgrading my Win 7 OS so I don't know if its both Win 7 and Win 8.1 or only Win 8.1 systems.