Cramping on CD 13??

Jessica
My hubby and I have stopped trying to get pregnant since we had move back into his moms house. We BD three days before I ovulated last cycle, without realizing it.
I'm feeling cramps today, not sure if it's ovulation or implantation... If it is implantation, isn't it a little late for me to implanting??
Not letting it bother me right now, just wanting to get some advice or whatever. That sentence didn't make any sense whatsoever, haha!
Do you have any idea of what it could be?
*My period was last week, 10/11-10/16.
Last I ovulated was 9/22/15. We BD 9/19/15.*