A centralized account reputation system differentiates between illegitimate users and legitimate users using reputation scores associated with the users' online accounts. The system restricts the access of illegitimate users to certain network services while minimizing its negative effects on legitimate users. The system can manage the life cycle of an online account, considering data about the account that is obtained throughout the account network to compute the online account reputation score and allocating access to network services based on the online account reputation score. For example, a reputation score may be embedded in a security token that can be accessed by multiple services on the account network, so that each service can determine the appropriate level of access to be granted to the associated user account based on the reputation score. Various types of online account behavior over time can improve or diminish the online account's reputation.