Well there is really only three choices it can be, bacterial, parasitic or fungal. If it looks fuzzy or resembles cotton than it is fungus, if not rule it out. That leaves bacterial and parasitic. If the fish is darting around the tank or scratching it's self on decor and other objects and is accompanied with loss of appetite and activity it is most likely parasitic, if these symptom are not present rule out parasites. That leaves bacteria as the culprit. Now there are two types of bacteria gram-negative and gram-positive. Since you you are unsure exactly what the problem is, this should help narrow it down and then treat with a broad spectrum med. If you are still unsure with yourself just treat with melefix and primifix and see if there is any improvement.
Of course it is very hard to pinpoint the problem without a "skin scrape" and a microscope. Please also keep in mind that this is just a basic run down. Good Luck.