Talent: is your innate ability to do something – it’s inborn, and for the purposes of this essay, you can’t change it. It’s fixed. Think of it as your starting point; you also can’t lose it.
Creativity: in the photographic context centers around your ability to construct a unique composition from a given scene. It’s a continuum; the more different your composition to anything that’s come before, the more creative you are. This applies for both the elements you can control (e.g. studio lighting, flashes, focal length/ perspective etc) and the ones you can’t – the subject, for instance. The amount of creativity a person has is generally fixed; however, unlike talent, you can train yourself to be more creative.