I took my bike out for the first time this year and the rear disc is very loud under light to moderate braking. It wasn't like this in the past. The front is fine. I've only had the bike for 3 years and it is very gently used--ridden less than two dozen times, all on the road and bike paths, never through water; stored upright. It's a hard-tail Norco Charger, if it matters.
What could cause this and how could I fix it?