Ive seen it from both sides...creaks and cracks...and why or what ?
I had a nasty full blooded 'crack' noise when I went over a bump on my then new full carbon forked bianchi. I became semi convinced the fork was faulty and got paranoid about it. Visit the LBS and he took two minutes look at it...yep, no problem, adjusted the headset...problem solved.
Never had seatposts etc causing creaks (not that bothered me anyway)...but I did have a cracking type creak on my 2 year old Bianchi (not the one above, the one before that) when I got out the saddle and yomped up hills. It went on for several weeks, I couldn't find anything with the usual visual checks. Then one day I was servicing/deep cleaning the bike and turned it upside down...


..Kin ell, there was a whacking great crack where the downtube met the BB, possibly 30 to 50% of the way round the downtube, but underneath...that's why I hadn't seen it.
But as my dad says, you always imagine its going to be the worst case scenario ..it rarely ever is, its usually something simple.