BFN 4-5 days late

Mia • Mama to 2, trying for 3!
Well I just got a BFN.. What the hell...
I'm never late and here I am 4-5 days late. 
I have pregnancy symptoms and milky discharge. My cervix is soft and seems to be almost closed. 
Can I possibly be pregnant just too soon to test. Maybe not enough hormones yet. 
What do you ladies think? I'm dying to know for sure and get a positive. Setting up a appointment Wednesday if still no AF