I've had my bank call me at work because I forgot to pay my credit card off the day after it was due. No callerid info, just a number. The woman on the phone didn't say who she was, who she was calling from, she just immediately asked me if this was blahblah. My work has been the subject of a bunch of scammers calling about financial services lately so I wasn't too keen on saying who I was. I kept asking her who she was calling from and she just kept asking me who I was. Finally she said she was from my bank. I told her I'd call her back. Called up my bank and had to wait through several people for someone to tell me what was up. Not only does there need to be some etiquette when cold calling someone (like using callerid and stating upfront who you are and who you are calling from!) but callerid need an update so you can't spoof it so we can trust it again.