Ramsey was born in Brandon, Wisconsin, the daughter of Jill and Mark Ramsey. She graduated from Laconia High School in Rosendale, Wisconsin, in 2001 and then attended Ripon College in Ripon, Wisconsin.
During her appearance on The Real Cancun, when asked how people in her town would describe her, she grinningly replied "naughty".
Ramsey was spotted while working in a restaurant on Sunset Boulevard and got an audition the next day, for a role she won—The Real Cancun, a documentary that revolves around the true exploits of several American youths in Mexico She then began a role in ABC's television series, The Days before making her feature-film acting debut with Catherine Hardwicke's Lords of Dogtown. She returned to television and made a memorable appearance in an episode ("The Jet Set") of the AMC series Mad Men. In 2015, Ramsey starred as Becca Brady on the VH1 scripted series Hindsight. After taking a 8-year hiatus from acting, Ramsey will star in Lifetime's upcoming 2023 television film A Rose for Her Grave based on the book of the same name as Cindy, a single mother of two children who was murdered following a dark discovery of her second husband.

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