In 1992, Cottle was spotted with Zonnie "Zeboe" Pullins having romantic love affairs with each other. They were together in this relationship for about six years and they also had a daughter named Zonnique Jailee Pullins. They broke up in 1998.
Three years later after she broke up with Zonnie, she began dating Clifford Joseph Harris, Jr. who is also known by the name T.I. He is a hip hop recording artist and he is also an established actor from United States. After being in love for about nine years, they decided to enter into the new stage of their relationship and they finally got married on 31st of July 2010. They are still bonded into this married life. Her nationality is American and she has mixed ethnicity. Her bio is well accessible in the internet.
As her father was also a great musician, Cottle also became fascinated in music at a young age. She began performing in several events and shows while she was in her high school days. In 1992, she officially joined the R&B quartet Xscape. During the early 1990s, while she was performing in the Martin Luther King, Jr. birthday celebration in Atlanta, she was spotted by the producer Jermaine Dupri. He offered the R&B quartet Xscape a recording deal and they signed a deal with his new record label, So So Def Recordings. Their debut album is Hummin' Comin' at 'Cha was released on 12th of October 1993. Their second album Off the Hook was released in 1995. She has also featured on several songs. Her net worth is $3 million.
At the end of 2010, Cottle was arrested and charged for possession of a controlled substance, ecstasy.