Miss Juli Rachel Christy was born Rachel Juli Cohen at 28 Ellerdale Street, Lewisham, Kent, England on 27 January 1887.

She was the daughter of Moreno Cohen (b. 1856) and Alice Frances Jones (b. 1860). Her mother hailed from Woolwich, Kent and worked as a psychiatric nurse before she was married in 1885. Little is known about her father, except that he was likely Jewish, and he died in 1890. She had two siblings: Jaques Moise (b. 1885), and Amy Frances (b. 1888). Following the death of her father, her mother had her and her sister baptised on 26 April 1891 in St Stephen's Church, Walworth, Surrey.

Juli first appears on the 1891 census living with her mother, siblings and uncle Walter Jones at 206 Albany Road, Peckham, London and her mother was described as a grocer. Later to support the family Juli's mother continued to work as a nurse and, perhaps unable to care adequately for them, had them put into care; the 1901 census shows Juli and her sister as inmates at an infant orphan asylum in Wanstead, Essex. Her mother was remarried in 1902 to Frederick Alexander Christy (b. 1846), an importer of textile spinning machines, but he died less than a year later. Juli and her sister adopted the name Christy as their own.

Juli boarded the Titanic at Southampton as a second-class passenger (ticket number 237789 which cost £30) together with her mother and sister Amy Jacobsohn and her husband Sydney Jacobsohn. They was travelling to Montréal, Québec. The ladies were not unfamiliar with travel: on 3 May 1907, the trio left England bound for Montréal aboard the Empress of Ireland, another ill-fated ship.

Juli Christy, her mother and sister survived the sinking. They were rescued by the Carpathia but in which lifeboat is unknown

Together with her mother and Mrs Amy Jacobsohn, she returned to England on board the Megantic on 11 May 1912. 

Undeterred by her experiences on Titanic, Juli crossed the Atlantic again in 1915, this time on the Allan Line's Scandinavian and returning with the White Star Line's Baltic. She never married and seemingly spent her last days living in the Mostyn Hotel on Portman Street in Marylebone, London.

In October 1931 Juli went to St John & St Elizabeth Hospital, Marylebone, London for an operation for appendicitis, she died there from a thrombosis on 30 October 1931 aged 44.  The term "misadventure" is noted on her death certificate.  Her estate, valued at £4,807 3s 11d passed to her mother.