Ron, I'm not sure what you are putting on the CD. Is it the Project, Image and Library folders? Or a .rtf file from the XP?
Anyway I think you have a read-only problem for the files that you have put on the Win98 computer from the CD. On your Win98 computer open Explorer then go to the folder that you put on from the CD. Right click on the folder then Properties. Is the "read-only" checked. If so uncheck it. In XP I found that you will be asked if you want to do the same to the files. But can't remember what happens in Win98.
Oh BTW. I also found that WP7 wouldn't load on XP. I found a OEM reseller of WP10 for about $25. I just searched for WordPerfect.