Creatine is fine for a woman to take. Alot of women I know use it.
You want creatine monohydrate...that's the best option in terms of absorption, etc. I have heard the same thing about stomach problems and bloat, but I am not sure...some people seem to have that problem and others don't.
BTW, if you are looking for a good creatine supplement, I recommend Musclesport Nutrition creatine monohydrate. It's cheap and effective, and you can get it online. OH, and you may recognize the girl on the label