How effective has the pull out method been for you?

I'm younger and have had many test done and was told I would not be able to conceive but was put on medication to help also the doctor told me that if I could get my stress levels down when I was ready I could have children. I've stopped taking the medication and I've gotta my stress under control. My boyfriend and I have never used protection other than the pull out method and honestly I've never asked him if he accidentall came in me.... My periods are also usually very irregular although for the last 2 or 3 months I've had not problem with it but I'm a week late. I don't know what to do and just want you guys opinion on the pull out method.