There are two categories of "Phd" software. One category is the type  that is so intuitive that the software almost tells one "Push Here,  Dear". Unfortunately, GIMP is in the other category of "Phd" software,  the kind that almost requires a PhD degree to be able to use it. It's a  complicated bit of software, and it takes most people a period of time  to learn to use the software. 
Unless you downloaded GIMP from the official website ( 
http://www.gimp.org  ), I suggest uninstall the software, and download the package from that  website, There are nefarious sites out there that take some open source  packages, and insert malware. But even if you choose not to do that on  the GIMP website, the "Documentation" link in the upper right corner of  the site links to a page where the second heading from the top is  "Tutorials", with a link to "Tutorials on GIMP". Folloiwing that link  will take you to a page which has beginning, intermediate, and advanced  tutorials on using GIMP. Start working through some of the beginning  tutorials to learn to use the software. 
There is also a WIKIbook on GIMP, at <
http://en.wikibooks.org/wiki/GIMP> which can be helpful. 
Once  you know how to use the tool, you'll need to know how it is used to  reskin. A "skin" is an image texture mapped to a mesh so that the mesh  will display the texture. Reskinning is the art of taking the original  creator's skin, and changing it so that when it is in game, it is a  different object. To do that, you need to know how the original skin is  applied to the model, so you know what to change. This is not always  easy, because experienced reskinners will pack the items they need for  the skin tightly into the image file, and map the file to the mesh in  ways that are not always straghtforward. Relatively small parts of the  mesh may be mapped to much larger parts of the skin, and large parts of  the mesh may be mapped to small parts of the skin. And the same part of a  skin may be mapped to multiple parts of the mesh. For example, in a  house, all of the windows of the same size may be mapped to a single  window image on the skin; on a box car, both sides of the car may be  mapped to a single side on the image, and on a locomotive, all of the  radiator fans may be mapped to on instance of the fan on the image. And  there are some, and will probably be more, items which cannot be  reskinned because they are colored without textures.
After you  have some experience with GIMP, choose some simple structures, open them  in for edit in explorer, and look for texture files. The texture files  will be files with an image format, typically having a "tga" file  extension. Copy the image file(s: there can be more than one texture  file on an object, particularly if it is a complex object) into another  location on your computer, and close the asset. Then, install that asset  in a test baseboard and examine it closely from all directions. Open  the image(s) you copied in GIMP, and compare what you see on the test  installation with the images you copied from the file Try to identify to  which bit of the image each bit of the Trainz object is mapped, but be  aware that it may not always be immediately obvious. When you've done  that, you'll know what the effect will be of changing a particular bit  of the texture image.
Summarizing the essential steps: Learn to  use the software you're going to use to reskin; learn to recognize how a  skin is mapped, and change the skin. But of the three steps, only the  third one is guaranteed to e simple, since that, after all, is only a  matter of copying a file. 
Final bit of advice: start small.  Don't start by trying to reskin a locomotive. I'd start with a small  structure, then move on to increasingly large and complex ones, then  look for freight cars with simple skin [Note:what appears to e a simple  freight car, may not have a simple skin. If I do a flat car it will have  a complex skin because every the required writing has to be in a small  space; conversely, what seems to be a complex car, like a tank car may  have a simple skin. then locomotives.
Final Final bit of advice:  don't expect to be a top drawer reskinner by the end of the month, or  even the end of three months from now. It will take time to learn to do,  and more time to learn to do well, but it's a skill that is in demand  in the community.