Karina, I think it varies from woman to woman. I was told that implantation occurs from 7-10 DPO but my little bubba didn't implant until 12DPO (got a very obvious implantation bleed at that time)!

Fertilisation occurs sometime between O'ing and implantation obviously, but I can't tell you exactly when! LOL

Love
Goldilocks
-xxxooo-