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“Articles of Faith is what one adheres too.
A creed is the Church’s understanding of the meaning of Scripture.
LDS only have an Article of Faith no creeds.”
When you’re in a hole, it’s best to stop digging. What one adheres to depends on your understanding of the meaning of Scripture.

From Wikipedia:

Within the Latter Day Saint movement, the Articles of Faith are a creed composed by Joseph Smith, Jr. as part of an 1842 letter sent to “Long” John Wentworth, editor of the Chicago Democrat. It is a concise listing of thirteen fundamental doctrines of Mormonism. Most Latter Day Saint denominations view the articles as an authoritative statement of basic theology. Some denominations, such as The Church of Jesus Christ of Latter-day Saints, have adopted the articles as scripture (see Pearl of Great Price).

The full text (with some later alterations by The Church of Jesus Christ of Latter-day Saints) is reproduced here:

1. We believe in God, the Eternal Father, and in His Son, Jesus Christ, and in the Holy Ghost.
2. We believe that men will be punished for their own sins, and not for Adam’s transgression.
3. We believe that through the [A]tonement of Christ, all mankind may be saved, by obedience to the laws and ordinances of the Gospel.
4. We believe that these ordinances1 [the first principles and ordinances of the Gospel]1 are: first, Faith in the Lord Jesus Christ; second, Repentance; third, Baptism by immersion for the remission of sins; fourth, Laying on of hands for the gift of the Holy Ghost.
5. We believe that a man must be called of God[,] by “prophecy, and by the laying on of hands” by those who are in authority[,] to preach the Gospel and administer in the ordinances thereof.
6. We believe in the same organization that existed in the [P]rimitive [C]hurch, viz: [namely,] apostles, prophets, pastors, teachers, evangelists[,] &c [and so forth].
7. We believe in the gift of tongues, prophecy, revelation, visions, healing, interpretation of tongues[,] &c [and so forth].
8. We believe the [B]ible to be the word of God as far as it is translated correctly; we also believe the Book of Mormon to be the word of God.
9. We believe all that God has revealed, all that [H]e does now reveal, and we believe that [H]e will yet reveal many great and important things pertaining to the [K]ingdom of God.
10. We believe in the literal gathering of Israel and in the restoration of the Ten Tribes[;] [t]hat Zion [(the New Jerusalem)] will be built upon this1 [the]1 [American]2 continent[;] [t]hat Christ will reign personally upon the earth[;] and[,] that the earth will be renewed and receive its paradisiac[al] glory.
11. We claim the privilege of worshiping Almighty God according to the dictates of our [own]1 conscience, and allow all men the same privilege[,] let them worship how, where, or what they may.
12. We believe in being subject to kings, presidents, rulers, and magistrates, in obeying, honoring, and sustaining the law.
13. We believe in being honest, true, chaste, benevolent, virtuous, and in doing good to all men [all men]; indeed, we may say that we follow the admonition of Paul [—] “we believe all things[,] we hope all things,” we have endured many things[,] and hope to be able to endure all things. If there is anything virtuous, lovely, or of good report or praise worthy [praiseworthy,] we seek after these things.

Note 1: additions and replacements made in 1902.
Note 2: added in 1851.

Let’s take the Apostles’ creed. There are slightly different versions but there are all close to the LCMS version found in Wikipedia

I believe in God, the Father Almighty,
maker of heaven and earth.
And in Jesus Christ, his only Son, our Lord,
who was conceived by the Holy Spirit,
born of the virgin Mary,
suffered under Pontius Pilate,
was crucified, died and was buried.
He descended into hell.
The third day He rose again from the dead.
He ascended into heaven
and sits at the right hand of God the Father Almighty.
From thence He will come to judge the living and the dead.
I believe in the Holy Spirit,
the holy Christian[13] Church,
the communion of saints,
the forgiveness of sins,
the resurrection of the body,
and the life everlasting. Amen.[14]

Both the Articles of Faith and the Apostles’ Creed state some of the important beliefs of the churches which hold to them. The LDS speak in prose (have creeds) even if they don’t realize or acknowledge this.

The Church of Jesus Christ needs no creed but their is an Article of Faith which some think are creeds but it is very different from a creed. ... Articles of Faith is what one adheres too.

Ordinarily, I would disagree with Resty's statement that the LDS Articles of Faith are not a creed. But in the case of Mormonism, the Articles of Faith are something to be learned and ignored; certainly not adhered to. This takes them outside the definition.

To illustrate the point, below is a more truthful version of the Articles of Faith as practiced today by Latter Day Saints.

SLIGHTLY MORE ACCURATE ARTICLES OF FAITH
(With enhancements highlighted in red)

We believe in Joseph Smith. We also believe in God the Eternal Father, and in His Son, Jesus Christ, and in the Holy Ghost. We believe that these gods were once men, and that you too can become your own god, even though our Prophet, Seer and Revelator denied it on national TV.
We believe that men will be punished for their own sins, such as murdering or drinking tea, and not for Adam's transgression, unless you were a Negro and died before 1978, in which case you were punished and cursed for the sins of Cain, or for what you did in the pre-existence.
We believe that through the atonement of Christ, all mankind may be saved, by obedience to the laws and ordinances of the Gospel, especially tithing and the word of wisdom. However, we do not believe that Christ's sacrifice should be discussed on Easter, as this is a more appropriate time to contemplate the martyr of Joseph Smith, our Prophet, Seer & Savior.
We believe that the first principles and ordinances of the Gospel are: first, Faith in Joseph Smith; second, Faith in the current version of the Book of Mormon; third, Payment of tithing for the remission of sins; fourth, Repentance for not paying tithing (but only if you catch up); fifth, Blind obedience to the current prophet and to your husband, if you are a woman; sixth, Faith in the Lord Jesus Christ; seventh, Baptism by complete, total, absolute immersion, in the waters, which, by the way, have been cursed, for the remission of sins; eighth, Laying on of hands for the gift of the Holy Spirit.
We believe that a man must be called of God, by prophecy, and by the laying on of hands by those who are in authority to collect tithing, to preach the Gospel and administer in the ordinances thereof. We also believe that if any man behaves as if he was not called by God, then it is appropriate to state that the Church is perfect, it is just the people who are flawed.
We believe in the same organization that existed in the Primitive Church, namely, apostles, prophets, pastors, teachers, evangelists, moneychangers in the temple, Young Men/Women leaders, Relief Society Presidents, Stake Mission Presidents, Young Single Adults Group Leaders, Elders Quorum Presidents, First Counselor to the President and so forth. We also believe that the primitive name for the church was "Corporation of the President."
We believe in the gift of tongues, prophecy, revelation, visions, faith-healing, interpretation of tongues, tearing out of tongues when you divulge endowment secrets, and so forth.
We believe the Bible to be the word of God as far as it is translated correctly (we reserve the right to decide which verses are translated correctly and which are not); we also believe the most recent version of the Book of Mormon to be the word of God. We are currently undecided as to the divine origin of the Book of Abraham, however.
We believe all that God has revealed, all that He does now reveal, and we believe that He will yet reveal many great and important things pertaining to the Kingdom of God (which may differ greatly from what He has previously revealed) by means of a comprehensive market survey of members' likes and dislikes.
We believe in the literal gathering of Israel and in the restoration of the Ten Tribes; that Zion (the New Jerusalem) will be built upon the American continent or the Middle East; that Christ will reign personally upon the earth; and, that the earth will be renewed and receive its paradisiacal glory. We also believe that our blood may be miraculously changed to that of the Tribe of Ephraim.
We claim the privilege of worshiping Almighty God according to the dictates of our own conscience as dictated by the President of the Church, and allow all men the same privilege, let them worship however incorrectly, wherever wrongly, or whatever idolatrous beings they may, since Christian clergy are dimwitted hirelings of Satan.
We believe in being subject to kings, presidents, rulers, and magistrates, in obeying, honoring, and sustaining the law, unless the law of the land violates the law of God as dictated by the President of the Church, such as in prohibiting the marrying of more than one woman.
We believe in being honest except when lying for the Lord, true, chaste, benevolent, virtuous, and in doing good to all men; indeed, we may say that we follow the admonition of Paul--We believe all things that the Church President tells us, we hope all things, we have endured many things such as changes in Church teachings and conflicting revelations, and hope to be able to endure all things. If there is any woman virtuous, lovely, or of good report or praiseworthy, we seek to make her obedient, servile, and pregnant.

JOSEPH SMITH (et al.)

You wrote:

“LDS only have an Article of Faith no creeds.”

Creeds are composed of article of Faith. Did you even know that?

Here, look:

Mormon article of faith:

“We believe in God, the Eternal Father, and in His Son, Jesus Christ, and in the Holy Ghost.”

What Christians believe:

“We believe in one God, the Father Almighty, maker of heaven and earth, and of all things visible and invisible.”

Notice the similarity? So are you sure that Mormons have no creed?

LDS says:

“We believe that men will be punished for their own sins, and not for Adam’s transgression.”

What Christians believe:

“We confess (I confess) one baptism for the remission of sins.”

LDS:

“We believe that through the Atonement of Christ, all mankind may be saved, by obedience to the laws and ordinances of the Gospel.”

What Christians believe:

[Christ] “Who for us men and for our salvation came down from heaven. And was incarnate of the Holy Ghost and of the Virgin Mary and was made man; was crucified also for us under Pontius Pilate, suffered and was buried; and the third day rose again according to the Scriptures.”

Notice how Smith’s credo statements copy the Christian statements in some ways?

Go through those Mormon articles of faith and you’ll see it IS A CREED in all but name.

Creed is from ‘credo” which means “I Believe”. And what does every Mormon article start off with? “We Believe”

Mormons have a creed - and you have no idea of what you’re taling about.