Can you pay with cash? What personal details do you have to provide? I find burner SIMs handy to avoid marketing efforts, every time I get hassled I let it expire and pop in a fresh one. But I'm outside the US currently.
I believe the poster above was talking about postpaid which I believe includes a soft pull on your credit. It is $70 a month but you still pay it at the end of the month (I assume your monthly bill could go higher if you call premium services or dial international numbers).
I routinely buy T-Mobile SIMs (for mobile testing, nothing nefarious) with cash without giving a name, or by giving them a not-real name. It sometimes require some real minor social engineering.