Flab or Loose Skin? BF% - Advice Please!

Hey everyone, i'm pretty new here and this is my dilemma...about 2 years ago i was around 240 pounds and am now down to about 155... I'm 20 years old and 5'8, i feel like i'm am in decent shape but there is still loose flabby skin that kind of hangs around my mid-section and butt. what i would like to know is if i should cut calories and do cardio to try and burn off that fat (if it isn't just loose skin), or if i should turn to weight training and try to put on muscle mass to fill in those spots a bit. and if both, which should i do first?... i lost most of the weight during the first year then continued a low calorie diet but exercised less after that to get to where i am today. take a look at these pictures and let me know what you think...loose skin or flab? weights or cardio?

http://i45.tinypic.com/2l95ic6.jpg
http://i50.tinypic.com/ridw8l.jpg
http://i46.tinypic.com/13z1yth.jpg
http://i45.tinypic.com/fmknif.jpg
 
Hey man, I used to have a similar thread on this forum, but move it to another forum.
But from the firt picture it looks similar to mine, I bent over and tensed to exagerate mine to show it was loose skin, try the same.
If you tense, maybe suck in and lean forward a bit, is it loose and hung over your underwear ot trousers slightly?? wrinkly in appearance? This is what loose skin in the area looks like.
The last picture makes me believe there's still a bit of fat underneath, also the same as mine.
I can just say it looks like a bit of both, I cannot tell you your BF%, i'm really new to all this anything i'd say would just be me guessing which wouldn't be fair. As for wanting to loose a bit of fat and gain muscle I was told to go for a clean bulk in an attempt to fill the space.

Good luck and congrats on your weight loss man.
 
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