What could be going on?!

Here are the bullet points:

-last period was 6/19-6/23

-average cycle is 31-33 days lasting 4-5 days

-21 days late for AF, "28dpo"

-lits of creamy/lotion like cm

-zero symptoms of AF or pregnancy

-3 BFN's, tested at "19dpo", "22dpo" and "25dpo"

-I don't do opk's or bbt charting so ovulation day is not exact, hence the quotations.

-obgyn appointment this Friday if af is still no show.

I know there aren't many doctors on this ap, if any, but just wondering what others opinions are on what could be going on with me. I really hope nothing is wrong, we've been ttc for a year. Any input helps, thanks ladies!