Pickart was one of three daughters of Robert G. Elliott, an Episcopal pastor in Detroit, Michigan and Douglas, Arizona. She graduated from Douglas High School before attending Arizona State University. In 1982, she was employed as a secretary at Amphitheater High School, Tucson, Arizona, when she began writing romance novels after taking a course at Pima Community College. Her first published novel, Breaking All the Rules, was bought by Bantam Books in winter 1983-84 for their Loveswept range, and appeared in summer 1984. Pickart then became a full-time writer, with Bantam immediately buying six more of her novels. By late 1985, a reviewer wrote that Pickart was "fast becoming one of Loveswept most consistent and popular authors [who] brings an extra dimension of humanity to the characters she creates ... [In Midnight Ryder she] employs humor and honest emotion to keep readers involved. ... Pickart's sensual writing is ... all the more romantic for being understated." In Waiting for Prince Charming, she used "many original touches [in] a modern rendering of an old fairy tale".
Elliott was the co-founder of the Professional Writers of Prescott, a member of the national Romance Writers of America, the Phoenix Desert Rose Chapter of RWA, and a charter member and co-president of the Northern Arizona RWA.
Elliott was a single mother of four daughters. She lived in Prescott, Arizona.