Any grinding noise that occurs when you hit the brakes demands a service visit. Squeaks, on the other hand, are usually nothing more than a nusance. A metallic scraping noise is usually the pad wear indicator.
If you live in an area that is hilly or are agressive in traffic, brake linings can certainly wear out in 26k. It all comes down to how and where you drive.
If it doesn't sound good, take it in for an inspection. If you are within the warranty period, take it to the dealer if you can.