Hi shandressage and

Congratulation on your new fish and it's great you have them in a decent sized home. If you have a comet and a fancy in there - they should do well as the comet needs a good 20 gallons and your fancy 10 (+)

I think what may be happening here is water toxicity. Once you've set up the filter, it can take anywhere from 6 - 8 weeks for it to cycle meaning your filter and surfaces start to house nitrifying bacteria which then converts ammonia to nitrites to nitrates and as this bacteria won't have colonised your filter yet, ammonia levels may be starting to climb to a level that's making your fish lethargic.
The black you see sound like ammonia burns that are starting to heal but unfortunately this will be a constant until the ammonia leaves the water. Unfortunately both ammonia and nitrites can kill a fish, especially when levels rise which is why test kits are so important. I've found a lot of pet stores quote water as being ok even at levels of 1.0ppm for both ammonia and nitrites however, both these levels become dangerous, especially when a fish is stressed or weaker.
So if you can, I'd try and get my hands on some test kits asap and then you'll know when you need to do a waterchange and unfortunately in the initial 6-8 weeks, this may become a daily occurrence - unless you have either Prime or Amquel Plus water conditioners? These are both excellent products as they detoxify ammonia and nitrites so are a necessary friend while cycling your tank
You'll be able to identify ich as it looks like someone sprinkled salt on your fish - I think what you're seeing may be a skin irritation, possibly from the water so doing a massive waterchange is an excellent idea. I'm sure they'll love you for it.
I summary, cycling a tank is the pits but you do eventually get through it and hopefully with your fish none the worse for wear. It takes a bit of work initially but once the tank has cycled, you can go to weekly waterchanges to keep the water cleaner and bacterial counts in the safer range but for now, I'd try to do daily waterchanges if you can - at least 50% because once the ammonia and nitrites start to climb, it becomes a very stressful environment.
So post back after your waterchange to see if there's any improvement