As everyone says genetics plays a big part in the way your body responds to growth and strenth training.
If your taking creatine, I couldn't stress it more drink LOTS of water. A normal 180 pound male using creatine should be drinking NO LESS THAN A GALLON A DAY!
Eat a lot of Protein: when protein breaks down in our kidneys, they become Amino Acids- they are the building blocks of our muscles! It is important to take a lot of protein. Amino Acids also come in capsule or post workout powder for for easier uptake.
There's no point in feeding your body creatine to maximize your performace in the gym if you're not going to give your body the nessesary nutrients to recover and grow. So eat a lot of protein and good carbs
as for the stubborn fat your trying to lose. You'll either need to do a shit load of cardio or take a thermogenic fat burner. I suggest HotRox made by Biotest. An estrogen blocker may not be bad either.
Make sure that when you lifting your keeping good form. I don't care how much your lifting if you don't have good form when your lifting, your only cheating yourself out of great gains.
I hope this helped you, if not. I suggest visiting bodybuilding.com. They have millions of workout programs, exercise databases, nutrition programs, and tons of other stuff. They also have this thing called BodySpace. It's like myspace but for athletes, bodybuilders, casual lifter or people who just want to get into shape. I'd seriously recommend checking it out.
They also have a supplement store online with ridiculously low prices compared to GNC.
Check out these links and Good Luck
Bodybuilding.com - Huge Training Bodybuilding Article Database!
Bodybuilding.com - Huge Nutrition Article Database!
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Bodybuilding.com - Find Bodybuilding Workouts!
Bodybuilding.com - #1 Exercises Guide - Over 300 Exercises!
TeenBodybuilding.com - The #1 Site Dedicated To Teenage Bodybuilding!
Bodybuilding.com - BodySpace Main Page