6 days late for my period.did fingering.having mild cramps. im so nervous. when should i test to be accurate?

HPT: Finger or digital penetration would not lead to pregnancy unless there was ejaculate or pre-ejaculate on the fingers. Missed/late period: low body wt, obesity, weight ^ or v, ^exercise, endurance athletics, breast-feeding, stress, illness, eating disorders (bulimia or anorexia), anovulatory cycle (no egg released), travel, perimenopause, just starting menstruation, hormone irregularities, drug >>.