If you're trying to lose weight, the best way to do it is a combination of cardio, weight training and a clean diet.
Carido is necessarry for good health, but it will also burn of excess calories.
Muscle is very metabolically active. Each pound of muscle you have requires 35-50 calories a day to mantain. Each pound of fat you have only requires 2 calories a day to maintain. By putting on just 5 pounds of muscle (even if you changed nothing else), you would create a caloric deficit equivialnt to a loss of 2 pounds a month.
Creatine has it's benefits and downfalls. Typically men have better results with it, though it can be terrific for woman too. At a very basic level, what it is doing is hyper hydrating your muscles. Hydrated muscles are stronger and fatigue less easily. Therefore you should be able to train longer and lift heavier than if you were even marginally dehydrated. It's not the creatine that will change your body. You have to do the work. But the creatine will allow you to train at a level you may not otherwise be able to train at.
The typical side effect of it is cramping (most common in woman), and of course water retention. A good chunk of the water will be in the muscles, but some of it will be stored in your fat as well. Therefore, you can expect to look more bloated before you look leaner.
As with many suppliments, you need to cycle creatine, or it will be hard on your kidneys. And there is enough scientific information now to conclude that you really don't need the loading phase. The benefits of loading are marginal at best.
Grape juice is the best mix for creatine, as it will facilitate the absorption at an optimal rate. Make sure you drink it immediately though, as it begins to break down as soon as it is mixed with liquid.
Unfortunately, there are no quick fixes to getting in shape, or obtaining the body we want. You need to make it a lifestyle, and incorporate the changes into your daily life.
An optimal diet for health and physical fitness should be comprised of 5 or 6 small meals throghout the day. Focus on lean protein sources, unlimited vegetables, a couple of fresh fruits a day, non fat dairy, whole grains and essential fats. (you can suppliment with flax seed oil or udos oil).
Eliminate, or drastically reduce all saturated fats, sugars and processed foods and alcohol.
Remember, it took you a while to get out of shape, and getting back into shape won't happen overnight either. You need to commit to a healthier long term plan, and try to focus on the benefits you will achieve other than the asthetics. People who lose weight soly for appearances are the least likely to keep it off. Think of the energy you will have, the strength you will gain, your improved cardiovascular health, the reduced possiblity of diseases such as diabetes, cancer and heart problems and of course the self esteem you will generate in knowing that you can accomplish anything you set your mind to.