The easiest way to identify color patterns in this colorful species is to see examples.
This site lets you click on each color type and see a picture of the pattern/color of the birds with it
http://www.kirstenmunson.com/cockatiels/pearl.html
and you might find this site useful too
http://www.parrotpages.com/tielMutations.htm
It does sound like a pearl from your description but a picture may help you most in identifying your new pet.
Hope this helps you!
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