Howard was born in Orlando, Florida, to Peggy E. (née Traylor) and Robert M. Howard, Jr., president of the Howard Fertilizer and Chemical Company. She attended Lake Highland Preparatory School in Orlando, Florida. She went on to graduate from Florida State University with a degree in communications and advertising and a minor in English.
Howard started her career in 1994 when she appeared in one of the "You Will" series of television commercials for AT&T Corporation.[citation needed]
Howard's acting roles were as Natalie Teeger, assistant to Tony Shalhoub's Adrian Monk on the USA Network television series Monk from 2005 to 2009, and as Sharon Carter, the "girl" of the title of the ABC sitcom Two Guys and a Girl (titled Two Guys, a Girl, and a Pizza Place for the first two seasons), from 1998 to 2001.

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