Nov Nov. 29 Consumer Credit Counseling Service will offer a free seminar on establishing and re-establishing credit, credit reports and cutting the costs of using credit from 6 p.m. to 7:30 p.m. at 2158 Union Ave., Suite 400. For reservations, call 323-4909, Ext. 1007. The League of Women Voters will meet at 7 p.m. at the Community Foundation of Greater Memphis, 1900 Union Ave. The speakers will be U.S. Reps. Ed Bryant and Harold Ford Jr. and Mary S. Stockley, state coordinator of community operations for AARP. The topic will be health care and patients rights. For more information, call 327-6892. Dec. 1 The Tennessee Department of Labor and Workforce Developments Occupational Safety and Health Division will present a seminar from 8 a.m. to 5 p.m. at the Holiday Inn, Sycamore View, on excavation and trenching. The cost is $175. For more information, call (423) 974-6621. Dec. 7 First Tennessee will offer a free financial seminar on leveraging life insurance to protect families and estates at 4385 Poplar Ave. the seminar will be offered from 1 p.m. to 2:15 p.m. and from 6 p.m. to 7:15 p.m. The speaker will be Katina Gaines, an estate planning attorney with Smith Gaines & Associates. For reservations, call 681-2444. Dec. 9 The Quality Center will offer an ISO 9000 internal auditor workshop through Dec. 10. The cost is $395. For more information, call 543-3530 or visit the centers Web site at www.msqpc.com. Dec. 13 The Shelby County Republican Women will meet at 11 a.m. at Kirby Farms, 6792 Poplar Pike. For more information, call Jean Drumwright at 756-5808. Dec. 20 The Memphis Songwriters Association will meet at 7 p.m. at the University of Memphis Harris Music Building, Room 101. For more information, call Michael Porter at 577-0906 or e-mail mporter@vantek.net.