should i cut or not?

i went to the gym for like 4 months starting in november last year then stopped because of school and went back at the beginning of june and got creatine, ive been able to recover my strength fast and ive been improving ever since, but ive got a lot of fat on my legs and lower back but my upper body doesnt have much fat, i still want to grow more muscles especially my shoulders but i also would like to lose this fat, should i like do a small cut?