The meshes and textures are held in a special 'packed' form, in the .bsa files that you will find in your Fallout\Data directory. You will need to unpack these. FOMM (http://fallout3.nexusmods.com/downloads/file.php?id=640) has a bsa unpacker (accessed under 'tools'). It's best to unpack the meshes and textures to a separate directory rather than within the Fallout directories.
Textures are stored as .dds files, so you will need software to import and export dds files to and from GIMP (links here: http://cs.elderscrolls.com/index.php/DDS_Tools).
For simple texture changes the process is as follows:
1) Import the .dds file to GIMP and edit it.
2) Export as a new .dds.
3) Place your new texture into a new directory within the Fallout\data\textures directory. Be sure to keep your textures (and meshes) separate from the base game files, it will save a lot of trouble.
4) In the GECK, create a new 'texture set' containing a link to your new texture.
5) Still in the GECK, find the mesh that you wish to re-texture. Hit the 'edit button' and you will be presented with a window that includes a section headed 'alternate textures'. Right-click on 'New Texture', and select 'new' : you will then get a list of texture sets, from which you can select the one you just created.
Many models have several different textures, so you might need to play around to re-texture the parts of the model that you are interested in.